Lake County property record for 38145 Highgate Bluff Ln, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,447 sqft · built 2007 |
| Lot Size | 0.215 acres (9,361 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $267,900 (Mar 2023) |
| Tax Bill | $6,576 (2023) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-041-C-00-012-0 |
| Primary APN | 27-B-041-C-00-012-0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,447 sqft Living Area |
| 1st Floor Area | 1,447 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,361 sqft (0.215 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 180 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38145 HIGHGATE BLUFF LN |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 113 |
| Legal Subdivision | HIGHGATE BLUFF SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 113 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 201500 |
Source: Lake County records, as of April 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED LENDING |
| Mar 21, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 30, 2019 | Quit Claim Deed, Transfer · Conventional with PMI CARDINAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2023 · Amount on Record |
| Deed Sale | Mar 21, 2023 · Amount on Record |
| Prior Sale | Feb 14, 2008 · Amount on Record |
| Deed Document Number | 20234973 |
| Prior Transfer Date | May 24, 2019 |
| Prior Transfer Doc | 0000012073 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 2, 2026 |
| Property Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000006611 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20266611 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000006611, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 20266611 |
| Name | UNITED LENDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 21, 2023 |
| Property Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000004973 |
| Map Reference | VOL 52 PG 2 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 2023R004973 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000004974 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 2023R004974 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000020748 |
|---|---|
| Date | Jun 17, 2021 |
| Instrument | 2021R020748 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 30, 2019 |
| Property Address | 38145 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000012073 |
| Instrument Date | May 24, 2019 |
| Instrument | 12073 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2019 |
| Title Company | LAKE COUNTY TITLE COMPANY, LAKE COUNTY TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38145 HIGHGATE BLUFF LN WILLOUGHBY OH 440947735, WILLOUGHBY, OH 44094-7735 |
| Document Number | 12074 |
|---|---|
| Date | May 30, 2019 |
| Instrument | 12074 |
| Name | CARDINAL CU |
|---|---|
| Address | MENTOR, OH 44060 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2049 |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $90,750 (+30.65%) Land $23,830 Building $66,920 | $259,280 (+30.65%) Land $68,080 Building $191,200 | |
| 2023 | $6,576.00 (+52.43%) Homeowner's exemption | $69,460 (-) Land $19,030 Building $50,430 | |
| 2022 | $4,314.00 Homeowner's exemption | $69,460 Land $19,030 Building $50,430 | |
| 2021 | $198,450 Land $54,370 Building $144,080 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 15 (1989–2014) |
| Most Recent Claim | Jan 2014 · river or lake flooding |
| Claims by Event |
|
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 | Not rated no burnable land within 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 133 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 | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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