Lake County property record for 3040 Steve Guard Ct, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,146 sqft · built 2013 |
| Lot Size | 0.465 acres (20,251 sqft) |
| Owner | Trust Name on File |
| Last Sale | $92,500 (Aug 2013) |
| Tax Bill | $13,522 (2023) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-F-00-007-0 |
| Primary APN | 27-B-049-F-00-007-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,146 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,251 sqft (0.465 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 77 sqft |
| Deck Area | 392 sqft |
| Patio Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3040 STEVE GUARD CT |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1, 2 & 15 GORE TRACT |
| Legal Subdivision | MELROSE FARMS |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 201600 |
3040 Steve Guard Ct is owner-occupied and held in a trust since October 2022.
Source: Lake County records, as of June 3, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3040 STEVE GUARD CT, WILLOUGHBY, OH 44094-7700 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Nov 29, 2022 | Intrafamily Transfer, Transfer |
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2013 · Amount on File |
| Deed Sale | Aug 15, 2013 · Amount on File |
| Deed Document Number | 201325020 |
| Last Transfer Date | Oct 28, 2022 |
| Transfer Doc | 0000031464 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3040 STEVE GUARD CT, WILLOUGHBY, OH 44094-7700 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000020089 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 2025R020089 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Nov 29, 2022 |
| Property Address | 3040 STEVE GUARD CT, WILLOUGHBY, OH 44094-7700 |
| Document Number | 0000031464 |
| Map Reference | VOL 62 PG 6 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2022R031464 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3040 STEVE GUARD CT, WILLOUGHBY, OH 44094-7700 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3040 STEVE GUARD CT, WILLOUGHBY, OH 44094-7700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000033464 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 2020R033464 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 | $186,800 Land $64,550 Building $122,250 | $533,730 Land $184,440 Building $349,290 | |
| 2023 | $13,522.00 (+51.42%) Homeowner's exemption | $142,820 (-) Land $51,560 Building $91,260 | |
| 2022 | $8,930.00 | $142,820 Land $51,560 Building $91,260 | |
| 2021 | $408,060 Land $147,310 Building $260,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3040 Steve Guard Ct 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 | 4 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2013 |
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.
Wildfire risk around 3040 Steve Guard Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 235 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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