3095 Gale Rd, Willoughby, OH 44094 Property Records

Lake County property record for 3095 Gale Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 1979
Lot Size	0.247 acres (10,799 sqft)
Owner	Owner Name on File
Last Sale	$166,200 (Aug 1999)
Tax Bill	$7,249 (2023)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-046-A-00-023-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-046-A-00-023-0`
Alternative APN	`B 194`

Interior

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	1,652 sqft Living Area
1st Floor Area	672 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,799 sqft (0.247 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Patio Area	32 sqft
Balcony	Balcony
Balcony Area	48 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	B 194
Street Address	3095 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	40
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1004
Census Tract	201600

Owner

Source: Lake County assessment roll, APN 27-B-046-A-00-023-0, as of August 1, 2023 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	3095 GALE RD, WILLOUGHBY, OH 44094-7666
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 31, 1999 · Amount on Record
Deed Sale	Aug 31, 1999 · Amount on Record
Prior Sale	Aug 31, 1999 · Amount on Record
Deed Document Number	0000041793
Deed Book / Page	27
Last Transfer Date	Oct 19, 2009
Transfer Doc	0000027286
Record Updated	Jun 07, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	3095 GALE RD, WILLOUGHBY, OH 44094-7666
Document Number	0000020029
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 GALE RD WILLOUGHBY OH 440947666, WILLOUGHBY, OH 44094-7666

Mortgage

Document Number	0000020029
Date	Aug 09, 2018
Instrument	20029

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 08, 2043

Tax Assessment & Valuation

Source: Lake County assessment roll as of August 1, 2023 · Last verified May 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$7,249.00 (+54.33%) Homeowner's exemption	$76,570 (-) Land $14,250 Building $62,320
2022	$4,697.00 Homeowner's exemption	$76,570 Land $14,250 Building $62,320
2021			$218,760 Land $40,710 Building $178,050

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (39085C), as of December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852016001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 72 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OH4302411, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.