Lake County property record for 38265 Westminster Ln, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,480 sqft · built 1998 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Sep 2026) |
| Tax Bill | $8,894 (2023) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-050-H-00-048-0 |
| Primary APN | 27-B-050-H-00-048-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,480 sqft Living Area |
| Gross Area | 1,516 sqft |
| 1st Floor Area | 1,029 sqft |
| Basement Area | 451 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| View / Lot | Restrictions |
| Garage Area | 536 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 284 sqft |
| Patio Area | 285 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38265 WESTMINSTER LN |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-8807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 DOUGLASS TRACT |
| Legal Subdivision | WESTMINSTER ABBEY |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 201600 |
38265 Westminster Ln is owned and occupied by an individual who bought it in September 2026.
Source: Lake County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38265 WESTMINSTER LN, WILLOUGHBY, OH 44094-8807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2026 · Amount on File |
| Deed Sale | Sep 17, 2026 · Amount on File |
| Prior Sale | May 29, 2003 · Amount on File |
| Deed Document Number | 202621355 |
| Prior Transfer Date | May 21, 2013 |
| Prior Transfer Doc | 0000017513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 17, 2026 |
| Property Address | 38265 WESTMINSTER LN, WILLOUGHBY, OH 44094-8807 |
| Document Number | 0000021355 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202621355 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Title Company | ERIEVIEW TITLE AGENCY LLC, ERIEVIEW TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $167,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38265 WESTMINSTER LN, WILLOUGHBY, OH 44094-8807 |
| Document Number | 0000021356, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 202621356 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $130,540 Land $28,900 Building $101,640 | $372,970 Land $82,580 Building $290,390 | |
| 2023 | $8,894.00 (+54.6%) Homeowner's exemption | $93,940 (-) Land $23,080 Building $70,860 | |
| 2022 | $5,753.00 Homeowner's exemption | $93,940 Land $23,080 Building $70,860 | |
| 2021 | $268,410 Land $65,950 Building $202,460 |
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.
FEMA maps place 38265 Westminster Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.
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.
The area around 38265 Westminster Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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 |
5G (outdoors only) and 4G LTE
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