Lake County property record for 3822 Arcadia Cir, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,234 sqft · built 2012 |
| Lot Size | 0.194 acres (8,494 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $355,000 (Jul 2021) |
| Tax Bill | $10,162 (2023) |
| Deeds & Mortgages | Feb 2026 Mortgage Jun 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-032-H-00-035-0 |
| Primary APN | 27-A-032-H-00-035-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,234 sqft Living Area |
| Gross Area | 2,394 sqft |
| 1st Floor Area | 952 sqft |
| Basement Area | 160 sqft |
| Unfinished Basement | 160 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,494 sqft (0.194 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 190 sqft |
| Patio Area | 204 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1 |
|---|---|
| Street Address | 3822 ARCADIA CIR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7876 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 TRACT 4 |
| Legal Subdivision | THE RESERVES OF WILLOUGHBY |
| Legal Tract | 4 |
| Legal Lot Number | 35 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 201500 |
Source: Lake County records, as of April 25, 2024
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 | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Jul 30, 2021 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Nov 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on Record |
| Deed Sale | Jul 30, 2021 · Amount on Record |
| Prior Sale | Apr 30, 2013 · Amount on Record |
| Deed Document Number | 464576 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000003657 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 2026R003657 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000011254 |
|---|---|
| Date | Jun 15, 2023 |
| Instrument | 2023R011254 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 30, 2021 |
| Property Address | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000026279 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Jul 28, 2021 |
| Instrument | 2021R026279 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6850 MILLER RD, BRECKSVILLE, OH 44141-3222 |
| Document Number | 0000026280 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021R026280 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3822 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000031310 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | 2017R031310 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
Source: Lake County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $10,162.00 (+49.22%) Homeowner's exemption | $107,330 (-) Land $20,720 Building $86,610 | |
| 2022 | $6,810.00 Homeowner's exemption | $107,330 Land $20,720 Building $86,610 | |
| 2021 | $306,660 Land $59,200 Building $247,460 |
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.
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 | 1 in force |
| Nearby Flood Claims | 2 (1979–2013) |
| Claims Outside the SFHA | 1 of 2 |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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