38190 Highgate Bluff Ln, Willoughby, OH 44094 Property Records

Lake County property record for 38190 Highgate Bluff Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,228 sqft · built 2008
Lot Size	0.193 acres (8,398 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Sep 2026)
Tax Bill	$6,860 (2023)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-B-041-C-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-041-C-00-002-0`

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	1,228 sqft Living Area
Gross Area	1,822 sqft
1st Floor Area	352 sqft
Basement Area	412 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	8,398 sqft (0.193 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38190 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 September 22, 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	38190 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage Q MORTGAGE CORPORATION
Aug 4, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on Record
Deed Sale	Sep 3, 2026 · Amount on Record
Prior Sale	Mar 31, 2016 · Amount on Record
Deed Document Number	20265
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Sep 3, 2026
Property Address	38190 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000000005
Instrument Date	Aug 31, 2026
Instrument	20265
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	INFINITY HM TITLE, INFINITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	38190 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735

Mortgage

Document Number	0000000006,
Date	Sep 3, 2026
Instrument	202620266

Lender

Name	Q MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

August 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Aug 4, 2023
Property Address	38190 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000015142
Map Reference	VOL 52 PG 2
Instrument Date	May 11, 2023
Instrument	2023R015142
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38190 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735

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		$87,250 (+20.41%) Land $21,380 Building $65,870	$249,280 (+20.4%) Land $61,080 Building $188,200
2023	$6,860.00 (+54.26%) Homeowner's exemption	$72,460 (-) Land $17,070 Building $55,390
2022	$4,447.00 Homeowner's exemption	$72,460 Land $17,070 Building $55,390
2021			$207,050 Land $48,780 Building $158,270

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
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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