35977 Ridge Rd, Willoughby, OH 44094 Property Records

Lake County property record for 35977 Ridge Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,564 sqft · built 1953
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Oct 2019)
Tax Bill	$17,979 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-002-0-00-009-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-002-0-00-009-0`
Alternative APN	`E 44`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,564 sqft Living Area
Gross Area	6,216 sqft
1st Floor Area	2,095 sqft
Attic Area	528 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Brick
Foundation Type	Raised
Lot Area	52,272 sqft (1.2 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	204 sqft
Patio Area	465 sqft
Shed	1 Shed
Shed Area	192 sqft
Canopy	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	E 44
Street Address	35977 RIDGE RD
City	WILLOUGHBY
State	OH
Zip	44094-4156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LOT 9 TRACT 10
Legal Subdivision	ORIGINAL WILLOUGHBY TOWNSHIP 1
Legal Tract	10
Legal Lot Number	9
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2003
Census Tract	201300

Owner

35977 Ridge Rd is owned and occupied by an individual who bought it in October 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	35977 RIDGE RD, WILLOUGHBY, OH 44094-4156
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
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Sep 11, 2018	Grant Deed, Transfer ATTORNEY ONLY
Sep 11, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2019 · Amount on File
Deed Sale	Oct 16, 2019 · Amount on File
Prior Sale	Sep 11, 2018
Deed Document Number	448092
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	35977 RIDGE RD, WILLOUGHBY, OH 44094-4156
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009178
Date	Mar 18, 2021
Instrument	2021R009178

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Oct 16, 2019
Property Address	35977 RIDGE RD, WILLOUGHBY, OH 44094-4156
Document Number	0000025504
Instrument Date	Oct 14, 2019
Instrument	2019R025504
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	35977 RIDGE RD, WILLOUGHBY, OH 44094-4156

Mortgage

Document Number	0000025505
Date	Oct 16, 2019
Instrument	2019R025505

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE OH
Recording Date	Sep 11, 2018
Property Address	35977 RIDGE RD, WILLOUGHBY, OH 44094-4156
Document Number	0000023108
Instrument Date	Jul 16, 2018
Instrument	23108
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,471.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35977 RIDGE RD WILLOUGHBY OH 440944156, WILLOUGHBY, OH 44094-4156

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LAKE OH
Recording Date	Sep 11, 2018
Property Address	35977 RIDGE RD, WILLOUGHBY, OH 44094-4156
Document Number	0000023107
Instrument Date	Mar 14, 2017
Instrument	23107
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35977 RIDGE RD WILLOUGHBY OH 440944156, WILLOUGHBY, OH 44094-4156

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	$17,979.00 (+54.42%) Homeowner's exemption	$189,900 (-) Land $32,910 Building $156,990
2022	$11,643.00 Homeowner's exemption	$189,900 Land $32,910 Building $156,990
2021			$542,570 Land $94,040 Building $448,530

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 35977 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 35977 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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