38200 Highgate Bluff Ln, Willoughby, OH 44094 Property Records

Lake County property record for 38200 Highgate Bluff Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,300 sqft · built 2018
Lot Size	0.253 acres (11,038 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Dec 2017)
Tax Bill	$5,554 (2023)
Deeds & Mortgages	Aug 2018 Line of Credit Dec 2017 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`27-B-041-C-00-001-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-041-C-00-001-0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,038 sqft (0.253 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	38200 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	1
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1009
Census Tract	201500

Owner

Source: Lake County assessment roll, as of August 1, 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	38200 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 1, 2017	Warranty Deed, Construction Loan · Construction Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Deed Document Number	4946
Record Updated	Jun 7, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38200 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020861
Date	Aug 17, 2018
Instrument	2018R020861

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Dec 1, 2017
Property Address	38200 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735
Document Number	0000032843
Map Reference	VOL52 PG2
Instrument Date	Dec 1, 2017
Instrument	2017R032843
Transaction Type	Construction Loan
Record Updated	Aug 25, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38200 HIGHGATE BLUFF LN, WILLOUGHBY, OH 44094-7735

Mortgage

Document Number	0000032844
Date	Dec 1, 2017
Instrument	2017R032844

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.92%
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	2.92%
Max Rate At Change	6.92%
Index	1-Year LIBOR
Max Rate	10.9%

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	$5,554.00 (+50.39%) Homeowner's exemption Senior Citizen's exemption	$58,670 (-) Land $10,200 Building $48,470
2022	$3,693.00	$58,670 Land $10,200 Building $48,470
2021			$167,630 Land $29,140 Building $138,490

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

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 USA, Verizon.

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