Lake County property record for 2990 Gale Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1985 |
| Lot Size | 0.2 acres (8,699 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,818 (2023) |
| Deeds & Mortgages | May 2026 Line of Credit Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-048-F-00-007-0 |
| Primary APN | 27-B-048-F-00-007-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,699 sqft (0.2 acres) |
| Lot Dimensions | 145 ft deep x 60 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 182 sqft |
| Patio Area | 270 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2990 GALE RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7668 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOTS 1 & 2 GORE TRACT |
| Legal Subdivision | SUNSET VALLEY SUBDIVISION NO. 2 |
| Legal Block | 1 |
| Legal Lot Number | 52 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 201600 |
2990 Gale Rd is owned and occupied by two individuals who acquired it in March 1985.
Source: Lake County records, as of June 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2990 GALE RD, WILLOUGHBY, OH 44094-7668 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Sep 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 1985 |
| Deed Sale | Mar 28, 1985 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 28, 2026 |
| Property Address | 2990 GALE RD, WILLOUGHBY, OH 44094-7668 |
| Document Number | 0000011308 |
| Instrument Date | May 19, 2026 |
| Instrument | 202611308 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2990 GALE RD, WILLOUGHBY, OH 44094-7668 |
| Document Number | 0000011308, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202611308 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 16, 2046 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 2990 GALE RD, WILLOUGHBY, OH 44094-7668 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000025112 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 2022R025112 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2037 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $92,120 Land $16,630 Building $75,490 | $263,210 Land $47,520 Building $215,690 | |
| 2023 | $6,818.00 (+54.25%) Homeowner's exemption | $72,020 (-) Land $13,280 Building $58,740 | |
| 2022 | $4,420.00 Homeowner's exemption | $72,020 Land $13,280 Building $58,740 | |
| 2021 | $205,780 Land $37,950 Building $167,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2990 Gale Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2013 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 2990 Gale Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people · EPA ID OH4302411 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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