35550 Ridge Rd, Willoughby, OH 44094 Property Records

Lake County property record for 35550 Ridge Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,345 sqft · built 1991
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Oct 2020)
Tax Bill	$9,781 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-001-B-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-001-B-00-002-0`
Alternative APN	`2`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,345 sqft Living Area
1st Floor Area	1,464 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Cape Cod
Exterior Material	Combination
Lot Area	18,731 sqft (0.43 acres)
Terrain	Below Road/Slope
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	2
Street Address	35550 RIDGE RD
City	WILLOUGHBY
State	OH
Zip	44094-4147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LOTS 8, 9 & 10 TRACT 10
Legal Subdivision	TIMBER RIDGE ESTATES SUBDIVISION
Legal Tract	10
Legal Lot Number	2
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2002
Census Tract	201300

Owner

35550 Ridge Rd is owned and occupied by an individual who bought it in October 2020.

Source: Lake County records, as of April 25, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	35550 RIDGE RD, WILLOUGHBY, OH 44094-4147
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 23, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Oct 13, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Jun 26, 2002
Deed Document Number	456806
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	35550 RIDGE RD, WILLOUGHBY, OH 44094-4147
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35550 RIDGE RD, WILLOUGHBY, OH 44094-4147

Mortgage

Document Number	0000029256
Date	Dec 31, 2025
Instrument	2025R029256

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	35550 RIDGE RD, WILLOUGHBY, OH 44094-4147
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025383
Date	Jul 23, 2021
Instrument	2021R025383

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Oct 13, 2020
Property Address	35550 RIDGE RD, WILLOUGHBY, OH 44094-4147
Document Number	0000029700
Map Reference	VOL 2 PG 17
Instrument Date	Oct 7, 2020
Instrument	2020R029700
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	35550 RIDGE RD, WILLOUGHBY, OH 44094-4147

Mortgage

Document Number	0000029701
Date	Oct 13, 2020
Instrument	2020R029701

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$9,781.00 (+54.69%) Homeowner's exemption	$103,310 (-) Land $26,610 Building $76,700
2022	$6,323.00 Homeowner's exemption	$103,310 Land $26,610 Building $76,700
2021			$295,170 Land $76,040 Building $219,130

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.

Flood

FEMA maps place 35550 Ridge Rd in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 35550 Ridge Rd 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 97% of the US · lower than 85% 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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