Lake County property record for 38160 Highgate Bluff Ln, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,264 sqft · built 2012 |
| Lot Size | 0.193 acres (8,398 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $163,000 (Feb 2018) |
| Tax Bill | $5,778 (2023) |
| Deeds & Mortgages | Jun 2026 Line of Credit Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-041-C-00-005-0 |
| Primary APN | 27-B-041-C-00-005-0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,264 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,398 sqft (0.193 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 102 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38160 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 June 30, 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 | 21900 WILMORE AVE, EUCLID, OH 44123-2975 |
| Owner Type | Individual |
| Vesting | Single Person |
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 28, 2018 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Sep 19, 2017 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2018 · Amount on Record |
| Deed Sale | Feb 28, 2018 · Amount on Record |
| Prior Sale | Nov 22, 2011 · Amount on Record |
| Deed Document Number | 20184760 |
| Prior Transfer Date | Sep 13, 2017 |
| Prior Transfer Doc | 0000025002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 18, 2026 |
| Property Address | 38160 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000013221 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202613221 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 38160 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000013221, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202613221 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 12, 2051 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38160 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | TITLECO TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000026772 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 2019R026772 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Feb 28, 2018 |
| Property Address | 38160 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000004760 |
| Map Reference | VOL52 PG2 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 2018R004760 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | ENTERPRISE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 38160 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000004761 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 2018R004761 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 19, 2017 |
| Property Address | 38160 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Document Number | 0000025002 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 25002 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38160 HIGHGATE BLUFF LN WILLOUGHBY OH 440947735, WILLOUGHBY, OH 44094-7735 |
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 | $79,430 (+30.15%) Land $21,380 Building $58,050 | $226,950 (+30.15%) Land $61,080 Building $165,870 | |
| 2023 | $5,778.00 (+50.47%) Homeowner's exemption | $61,030 (-) Land $17,070 Building $43,960 | |
| 2022 | $3,840.00 | $61,030 Land $17,070 Building $43,960 | |
| 2021 | $174,370 Land $48,780 Building $125,590 |
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 500 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures