38178 Emsley Ct, Willoughby, OH 44094 Property Records

Lake County property record for 38178 Emsley Ct, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,262 sqft · built 1998
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Trust Names on File
Last Sale	$218,250 (Aug 1998)
Tax Bill	$9,128 (2023)
Deeds & Mortgages	Jul 2023 Transfer Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-050-J-00-027-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-050-J-00-027-0`
Alternative APN	`31`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,262 sqft Living Area
Gross Area	2,622 sqft
1st Floor Area	936 sqft
Basement Area	360 sqft
Unfinished Basement	360 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	44 sqft
Deck Area	320 sqft
Patio Area	320 sqft
Balcony	Balcony
Balcony Area	18 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	31
Street Address	38178 EMSLEY CT
City	WILLOUGHBY
State	OH
Zip	44094-8811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 DOUGLASS TRACT
Legal Subdivision	WESTMINSTER ABBEY
Legal Lot Number	27
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1000
Census Tract	201600

Owner

38178 Emsley Ct is held in a trust since July 2023.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Jul 28, 2023	Transfer on Death Deed, Transfer
Mar 26, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 8, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 12, 1998 · Amount on File
Deed Sale	Aug 12, 1998 · Amount on File
Prior Sale	Dec 7, 1995 · Amount on File
Deed Document Number	0000036420
Deed Book / Page	27
Last Transfer Date	Jul 28, 2023
Transfer Doc	0000014594
Record Updated	Jun 7, 2026

July 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Jul 28, 2023
Property Address	38178 EMSLEY CT, WILLOUGHBY, OH 44094-8811
Document Number	0000014594
Map Reference	VOL 25 PG 12
Instrument Date	Jun 23, 2023
Instrument	2023R014594
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38178 EMSLEY CT, WILLOUGHBY, OH 44094-8811
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010277
Date	Mar 26, 2021
Instrument	2021R010277

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38178 EMSLEY CT, WILLOUGHBY, OH 44094-8811
Document Number	0000015290
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38178 EMSLEY CT WILLOUGHBY OH 440948811, WILLOUGHBY, OH 44094-8811

Mortgage

Document Number	0000015290
Date	Jun 19, 2018
Instrument	15290

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

Interest

Rate Type	Adjustable Rate

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	$9,128.00 (+54.63%) Homeowner's exemption	$96,410 (-) Land $20,130 Building $76,280
2022	$5,903.00 Homeowner's exemption	$96,410 Land $20,130 Building $76,280
2021			$275,440 Land $57,500 Building $217,940

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 38178 Emsley Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	6 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2013 · rainfall accumulation

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

The area around 38178 Emsley Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 324 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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