37904 2nd St, Willoughby, OH 44094 Property Records

Lake County property record for 37904 2nd St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,950 sqft · built 1920
Lot Size	0.594 acres (25,875 sqft)
Owner	Individual Name on File
Tax Bill	$5,347 (2023)
Deeds & Mortgages	Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-A-029-A-00-051-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-029-A-00-051-0`
Alternative APN	`B 121`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	2,542 sqft
1st Floor Area	768 sqft
Attic Area	296 sqft
Basement Area	296 sqft
Unfinished Basement	296 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Lot Area	25,875 sqft (0.594 acres)
Lot Dimensions	225 ft deep x 115 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	B 121
Street Address	37904 2ND ST
City	WILLOUGHBY
State	OH
Zip	44094-6131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	L-B
Legal Description	GORE TRACT PART OF LOT 105
Legal Subdivision	MERCHANTS PARK
Legal Lot Number	105
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1011
Census Tract	201400

Owner

37904 2nd St is owned and occupied by an individual who acquired it in April 1983.

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

Owner of Record	Individual Name on File
Mailing Address	37904 2ND ST, WILLOUGHBY, OH 44094-6131
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 1983
Deed Sale	Apr 11, 1983
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37904 2ND ST, WILLOUGHBY, OH 44094-6131
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37904 2ND ST, WILLOUGHBY, OH 44094-6131

Mortgage

Document Number	0000008511
Date	Mar 23, 2022
Instrument	2022R008511

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 8, 2047

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	$5,347.00 (+12.69%) Homeowner's exemption Senior Citizen's exemption	$56,480 (-) Land $18,540 Building $37,940
2022	$4,745.00 Homeowner's exemption Senior Citizen's exemption	$56,480 Land $18,540 Building $37,940
2021			$161,380 Land $52,980 Building $108,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 37904 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 37904 2nd St 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 99.1% of the US · lower than 96% 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 328 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20