Lake County property record for 38040 Ridge Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,739 sqft · built 1955 |
| Lot Size | 0.889 acres (38,768 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,434 (2023) |
| Deeds & Mortgages | May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-018-H-00-008-0 |
| Primary APN | 27-A-018-H-00-008-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,739 sqft Living Area |
| 1st Floor Area | 1,439 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 38,768 sqft (0.889 acres) |
| Terrain | Above Road/Slope |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 21 |
|---|---|
| Street Address | 38040 RIDGE RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-5754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LOT 2 TRACT 9 PART OF S/L J |
| Legal Subdivision | WILLOUGHBY-EUCLID AVENUE SUBD NO.2 |
| Legal Tract | 9 |
| Legal Lot Number | 2 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 201400 |
Source: Lake County records, as of April 25, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 38040 RIDGE RD, WILLOUGHBY, OH 44094-5754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 1985 |
| Deed Sale | Apr 2, 1985 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38040 RIDGE RD, WILLOUGHBY, OH 44094-5754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011064 |
|---|---|
| Date | May 20, 2019 |
| Instrument | 2019R011064 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILLOUGHBY, OH 44094 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,434.00 (+76.27%) Homeowner's exemption Senior Citizen's exemption | $67,960 (-) Land $23,240 Building $44,720 | |
| 2022 | $3,650.00 Homeowner's exemption Senior Citizen's exemption | $67,960 Land $23,240 Building $44,720 | |
| 2021 | $194,170 Land $66,390 Building $127,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 5 (1978–2017) |
| Most Recent Claim | May 2017 · other causes |
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.
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.
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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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