38180 Highgate Bluff Ln, Willoughby, OH 44094 Property Records

Lake County property record for 38180 Highgate Bluff Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 950 sqft · built 2019
Lot Size	0.193 acres (8,398 sqft)
Owner	Individual Name on Record
Tax Bill	$5,807 (2024)
Deeds & Mortgages	Dec 2025 Transfer Nov 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-041-C-00-003-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-041-C-00-003-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	950 sqft Living Area
Gross Area	1,010 sqft
1st Floor Area	790 sqft
Basement Area	60 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	8,398 sqft (0.193 acres)
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Deck Area	603 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	38180 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

Owner

Source: Lake County records, as of December 30, 2025

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	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Transfer on Death Deed, Transfer
Nov 15, 2021	Transfer on Death Deed, Transfer
Nov 9, 2021	Intrafamily Transfer, Transfer · VA Mortgage NAVY FCU
Feb 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 10, 2019	Warranty Deed, Construction Loan THIRD FED'L S&L ASSN/CLEVELAND
Jun 21, 2018	Loan Modification, Mortgage · Line of Credit ERIEBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2021
Deed Sale	Nov 9, 2021
Prior Sale	Apr 10, 2019 · Amount on Record
Deed Document Number	202139660
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	0000040146
Record Updated	Sep 20, 2026

December 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Dec 1, 2025
Property Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000026871
Map Reference	VOL 52 PG 2
Instrument Date	Nov 12, 2025
Instrument	2025R026871
Transaction Type	Transfer
Record Updated	Jun 2, 2026

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	Revocable Trust
Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Nov 15, 2021
Property Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000040146
Map Reference	VOL 52 PG 2
Instrument Date	Oct 22, 2021
Instrument	2021R040146
Transaction Type	Transfer
Record Updated	Jun 2, 2026

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	Revocable Trust
Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE OH
Recording Date	Nov 9, 2021
Property Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000039660
Map Reference	VOL 32 PG 2
Instrument Date	May 17, 2021
Instrument	2021R039660
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735

Mortgage

Document Number	0000039661
Date	Nov 9, 2021
Instrument	2021R039661

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Feb 21, 2020
Property Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000004536
Instrument Date	Feb 15, 2020
Instrument	4536
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38180 HIGHGATE BLUFF LN WILLOUGHBY OH 440947735, WILLOUGHBY, OH 44094-7735

April 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Apr 10, 2019
Property Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000007417
Instrument Date	Apr 9, 2019
Instrument	7417
Transaction Type	Construction Loan
Record Updated	Apr 29, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	38180 HIGHGATE BLUFF LN WILLOUGHBY OH 440947735, WILLOUGHBY, OH 44094-7735

Mortgage

Document Number	7418
Date	Apr 10, 2019
Instrument	7418

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2049

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE OH
Property Address	38180 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000018158
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7325 HIGHBLUFF CT PAINESVILLE OH 440778985, PAINESVILLE, OH 44077-8985

Mortgage

Document Number	0000018158
Date	Jul 20, 2018
Instrument	18158

Lender

Name	ERIEBANK
Type	Bank
Address	MENTOR, OH 44060

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$106,890 (-) Land $21,380 Building $85,510	$305,380 (-) Land $61,080 Building $244,300
2024	$5,807.00 (-26.22%) Homeowner's exemption	$106,890 (+28.57%) Land $21,380 Building $85,510	$305,380 (+28.55%) Land $61,080 Building $244,300
2023	$7,871.00 (+59.59%) Homeowner's exemption	$83,140 (+3.37%) Land $17,070 Building $66,070
2022	$4,932.00 Homeowner's exemption	$80,430 Land $17,070 Building $63,360
2021			$237,560 Land $48,780 Building $188,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Straight Line Winds, And Flooding, Jul 2006 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000

May also be available: Spectrum, T-Mobile, Verizon.

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