38183 Strumbly Pl, Willoughby, OH 44094 Property Records

Lake County property record for 38183 Strumbly Pl, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,826 sqft · built 1988
Lot Size	0.174 acres (7,588 sqft)
Owner	2 Individual Names on Record
Tax Bill	$502 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-B-048-H-00-010-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-048-H-00-010-0`
Alternative APN	`B 15`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,826 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	550 sqft
Finished Basement	550 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,588 sqft (0.174 acres)
Lot Dimensions	115 ft deep x 66 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	28 sqft
Deck Area	260 sqft
Patio Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	38183 STRUMBLY PL
City	WILLOUGHBY
State	OH
Zip	44094-6591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOTS 2 GORE TRACT
Legal Subdivision	STRUMBLY SUBDIVISION
Legal Block	1
Legal Lot Number	2
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1000
Census Tract	201600

Owner

Source: Lake County records, as of August 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38183 STRUMBLY PL, WILLOUGHBY, OH 44094-6591
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Quit Claim Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
May 7, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2005
Deed Sale	Feb 28, 2005
Prior Sale	Oct 20, 1988 · Amount on Record
Deed Document Number	20057612
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Aug 18, 2026
Property Address	38183 STRUMBLY PL, WILLOUGHBY, OH 44094-6591
Document Number	0000018665
Instrument Date	Aug 12, 2026
Instrument	202618665
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	38183 STRUMBLY PL, WILLOUGHBY, OH 44094-6591

Mortgage

Document Number	0000018666,
Date	Aug 18, 2026
Instrument	202618666

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38183 STRUMBLY PL, WILLOUGHBY, OH 44094-6591
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009990
Date	May 7, 2019
Instrument	2019R009990

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$502.00 (-92.91%)	$95,230 (+27.35%) Land $15,110 Building $80,120	$272,060 (+27.33%) Land $43,160 Building $228,900
2023	$7,080.00 (+54.32%) Homeowner's exemption	$74,780 (-) Land $12,070 Building $62,710
2022	$4,588.00 Homeowner's exemption	$74,780 Land $12,070 Building $62,710
2021			$213,660 Land $34,490 Building $179,170

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

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 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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