Lake County property record for 38165 Highgate Bluff Ln, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,066 sqft · built 2006 |
| Lot Size | 0.192 acres (8,398 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Oct 2012) |
| Tax Bill | $7,790 (2023) |
| Deeds & Mortgages | Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-041-C-00-014-0 |
| Primary APN | 27-B-041-C-00-014-0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,066 sqft Living Area |
| Gross Area | 2,632 sqft |
| 1st Floor Area | 682 sqft |
| Attic Area | 272 sqft |
| Basement Area | 566 sqft |
| Unfinished Basement | 566 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,398 sqft (0.192 acres) |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | 100 sqft |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Street Address | 38165 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 Lot Number | 14 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 201500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 38165 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2012 · Amount on Record |
| Deed Sale | Oct 3, 2012 · Amount on Record |
| Prior Sale | May 29, 2009 · Amount on Record |
| Deed Document Number | 2806 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38165 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000031074 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 2019R031074 |
| Name | HOME SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | YOUNGSTOWN, OH 44501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 28, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,790.00 (+47.9%) Homeowner's exemption | $82,280 (-) Land $17,070 Building $65,210 | |
| 2022 | $5,267.00 Homeowner's exemption | $82,280 Land $17,070 Building $65,210 | |
| 2021 | $235,080 Land $48,780 Building $186,300 |
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 |
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