38230 Ridge Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38230 Ridge Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1920
Lot Size	1.36 acres (59,599 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2006)
Tax Bill	$7,827 (2023)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-A-018-I-00-009-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-018-I-00-009-0`
Alternative APN	`B 15`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,040 sqft Living Area
Gross Area	1,500 sqft
1st Floor Area	650 sqft
Basement Area	208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	59,599 sqft (1.36 acres)
Lot Dimensions	400 ft deep x 149 ft wide
View / Lot	Extra Front
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	343 sqft
Deck Area	135 sqft
Patio Area	208 sqft
Canopy	50 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38230 RIDGE RD
City	WILLOUGHBY
State	OH
Zip	44094-5865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LOT 2 TRACT 9
Legal Subdivision	WILLOUGHBY-EUCLID AVENUE SUBD NO.2
Legal Tract	9
Legal Block	2
Legal Lot Number	2
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2024
Census Tract	201400

Owner

38230 Ridge Rd is owned and occupied by two individuals who bought it in July 2006.

Source: Lake County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38230 RIDGE RD, WILLOUGHBY, OH 44094-5865
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2006 · Amount on File
Deed Sale	Jul 31, 2006 · Amount on File
Prior Sale	Dec 15, 2000 · Amount on File
Deed Document Number	200630660
Prior Transfer Date	Aug 8, 2003
Prior Transfer Doc	0000051313
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38230 RIDGE RD, WILLOUGHBY, OH 44094-5865
Document Number	0000030133
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	38230 RIDGE RD WILLOUGHBY OH 440945865, WILLOUGHBY, OH 44094-5865

Mortgage

Document Number	0000030133
Date	Nov 6, 2017
Instrument	30133

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

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		$83,400 Land $27,890 Building $55,510	$238,290 Land $79,690 Building $158,600
2023	$7,827.00 (+54.2%) Homeowner's exemption	$82,670 (-) Land $22,360 Building $60,310
2022	$5,076.00 Homeowner's exemption	$82,670 Land $22,360 Building $60,310
2021			$236,200 Land $63,880 Building $172,320

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

FEMA maps place 38230 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	5 (1978–2017)
Most Recent Claim	May 2017 · other causes

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

Wildfire risk around 38230 Ridge Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20