38140 Ridge Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38140 Ridge Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,733 sqft · built 1987
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on File
Last Sale	$454,500 (Jul 2022)
Tax Bill	$12,146 (2023)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-A-018-H-00-010-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-018-H-00-010-0`
Alternative APN	`B 18`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,733 sqft Living Area
Gross Area	4,204 sqft
1st Floor Area	1,576 sqft
Basement Area	471 sqft
Unfinished Basement	471 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Contemporary
Exterior Material	Combination
Lot Area	54,450 sqft (1.25 acres)
Lot Depth	200 ft Depth
Terrain	Above Road/Slope
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	242 sqft
Patio Area	384 sqft
Balcony	Balcony
Balcony Area	110 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	B 18
Street Address	38140 RIDGE RD
City	WILLOUGHBY
State	OH
Zip	44094-5880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LOT 2 TRACT 9
Legal Subdivision	WILLOUGHBY-EUCLID AVENUE SUBD NO.2
Legal Tract	9
Legal Lot Number	L
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2024
Census Tract	201400

Owner

38140 Ridge Rd is owned by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	38140 RIDGE RD, WILLOUGHBY, OH 44094-5880
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 10, 2022	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jul 1, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2022 · Amount on File
Deed Sale	Jul 1, 2022 · Amount on File
Prior Sale	Jun 30, 2006 · Amount on File
Deed Document Number	473947
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38140 RIDGE RD, WILLOUGHBY, OH 44094-5880
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38140 RIDGE RD, WILLOUGHBY, OH 44094-5880

Mortgage

Document Number	0000007322
Date	Mar 10, 2022
Instrument	2022R007322

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jul 1, 2022
Property Address	38140 RIDGE RD, WILLOUGHBY, OH 44094-5880
Document Number	0000018649
Map Reference	VOL D PG 16
Instrument Date	Jun 27, 2022
Instrument	2022R018649
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	OHIO REAL TITLE

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
Address	38140 RIDGE RD, WILLOUGHBY, OH 44094-5880

Mortgage

Document Number	0000018650
Date	Jul 1, 2022
Instrument	2022R018650

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

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	$12,146.00 (+54.86%) Homeowner's exemption	$128,290 (-) Land $34,210 Building $94,080
2022	$7,843.00 Homeowner's exemption	$128,290 Land $34,210 Building $94,080
2021			$366,550 Land $97,750 Building $268,800

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 38140 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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.

Wildfire

Wildfire risk around 38140 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 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 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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