38276 Union St, Willoughby, OH 44094 Property Records

Lake County property record for 38276 Union St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,396 sqft · built 1948
Lot Size	5.71 acres (248,728 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Aug 2009)
Tax Bill	$8,493 (2023)
Deeds & Mortgages	Feb 2022 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`27-A-026-0-00-001-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-0-00-001-0`
Alternative APN	`D 20`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,396 sqft Living Area
Gross Area	2,540 sqft
1st Floor Area	1,452 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1991
Architectural Style	Old Style
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	248,728 sqft (5.71 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	1,023 sqft
Deck Area	144 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38276 UNION ST
City	WILLOUGHBY
State	OH
Zip	44094-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F-P
Legal Description	LOT 2 TRACT 13
Legal Subdivision	BERZINS ESTATE 01
Legal Tract	13
Legal Block	2
Legal Lot Number	2
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2005
Census Tract	201400

Owner

38276 Union St is owned and occupied by an individual who bought it in August 2009.

Source: Lake County records, as of December 30, 2025

Owner of Record	Individual Name on File
Mailing Address	38276 UNION ST, WILLOUGHBY, OH 44094-7801
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	Name on Deed
Last Sale	Aug 4, 2009 · Amount on File
Deed Sale	Aug 4, 2009 · Amount on File
Prior Sale	Mar 16, 1999 · Amount on File
Deed Document Number	200920289
Prior Transfer Date	Sep 18, 1997
Prior Transfer Doc	0000040568
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38276 UNION ST, WILLOUGHBY, OH 44094-7801
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003560
Date	Feb 2, 2022
Instrument	2022R003560

Lender

Name	PREMIER PROCESSING LLC
Type	Non-Lending Institution
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

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		$186,570 Land $61,280 Building $125,290	$533,060 Land $175,080 Building $357,980
2023	$8,493.00 (+54.33%) Homeowner's exemption	$89,710 (-) Land $17,810 Building $71,900
2022	$5,503.00 Homeowner's exemption	$89,710 Land $17,810 Building $71,900
2021			$256,310 Land $50,880 Building $205,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38276 Union St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 38276 Union St 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 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 318 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Union St

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