Lake County property record for 3093 Gale Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,076 sqft · built 1986 |
| Lot Size | 0.247 acres (10,799 sqft) |
| Owner | Individual Name on File |
| Last Sale | $229,000 (Jun 2019) |
| Tax Bill | $8,160 (2023) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-046-A-00-024-0 |
| Primary APN | 27-B-046-A-00-024-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,076 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 10,799 sqft (0.247 acres) |
| Lot Dimensions | 180 ft deep x 60 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 333 sqft |
| Patio Area | 110 sqft |
| Balcony | Balcony |
| Balcony Area | 56 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 193 |
|---|---|
| Street Address | 3093 GALE RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 1 & 2 GORE TRACT |
| Legal Subdivision | BREEZY HILL ALLOTMENT NO. 1 |
| Legal Lot Number | 41 2 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 201600 |
3093 Gale Rd is owned and occupied by an individual who bought it in June 2019.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| 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 |
|---|---|
| Dec 4, 2025 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Aug 19, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Apr 2, 2020 | Deed of Trust, Mortgage HUNTINGTON NAT'L BK |
| Jun 3, 2019 | Survivorship Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2019 · Amount on File |
| Deed Sale | Jun 3, 2019 · Amount on File |
| Prior Sale | Feb 1, 2008 |
| Deed Document Number | 444482 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Document Number | 0000027243 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | 2025R027243 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 22, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Document Number | 0000029008 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 2021R029008 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 16, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Document Number | 0000008866 |
| Instrument Date | Apr 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3093 GALE RD WILLOUGHBY OH 440947666, WILLOUGHBY, OH 44094-7666 |
| Document Number | 0000008866 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 8866 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 8, 2050 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 3, 2019 |
| Property Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Document Number | 0000012272 |
| Map Reference | VOL D PG 49 |
| Instrument Date | May 30, 2019 |
| Instrument | 2019R012272 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3093 GALE RD, WILLOUGHBY, OH 44094-7666 |
| Document Number | 0000012273 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 2019R012273 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2049 |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $8,160.00 (+54.49%) Homeowner's exemption | $86,190 (-) Land $14,250 Building $71,940 | |
| 2022 | $5,282.00 Homeowner's exemption | $86,190 Land $14,250 Building $71,940 | |
| 2021 | $246,260 Land $40,710 Building $205,550 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3093 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 3093 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 72 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures