38277 Poplar Dr, Willoughby, OH 44094 Property Records

Lake County property record for 38277 Poplar Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1971
Lot Size	0.248 acres (10,799 sqft)
Owner	Individual Name on File
Last Sale	$150,900 (Feb 2018)
Tax Bill	$5,344 (2023)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-050-B-00-020-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-050-B-00-020-0`
Alternative APN	`A 61`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	924 sqft
Basement Area	460 sqft
Finished Basement	460 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,799 sqft (0.248 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38277 POPLAR DR
City	WILLOUGHBY
State	OH
Zip	44094-7556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-30
Legal Description	LOT 15 DOUGLASS TRACT
Legal Subdivision	COUNTRY ESTATES
Legal Block	1
Legal Lot Number	15
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1001
Census Tract	201600

Owner

38277 Poplar Dr is owned and occupied by an individual who bought it in February 2018.

Source: Lake County records, as of June 3, 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	38277 POPLAR DR, WILLOUGHBY, OH 44094-7556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 26, 2021	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
Feb 27, 2018	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2018 · Amount on File
Deed Sale	Feb 27, 2018 · Amount on File
Prior Sale	Dec 3, 2007 · Amount on File
Deed Document Number	20184637
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38277 POPLAR DR, WILLOUGHBY, OH 44094-7556
Transaction Type	Mortgage
Record Updated	Oct 31, 2025
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023327
Date	Oct 20, 2025
Instrument	2025R023327

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38277 POPLAR DR, WILLOUGHBY, OH 44094-7556
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029960
Date	Aug 26, 2021
Instrument	2021R029960

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.79%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.79%
Index	Prime Rate
Max Rate	8.79%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Feb 27, 2018
Property Address	38277 POPLAR DR, WILLOUGHBY, OH 44094-7556
Document Number	0000004637
Map Reference	VOL F PG35
Instrument Date	Feb 26, 2018
Instrument	2018R004637
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	38277 POPLAR DR, WILLOUGHBY, OH 44094-7556

Mortgage

Document Number	0000004638
Date	Feb 27, 2018
Instrument	2018R004638

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

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		$68,790 Land $17,840 Building $50,950	$196,540 Land $50,980 Building $145,560
2023	$5,344.00 (+53.83%) Homeowner's exemption	$56,450 (-) Land $14,250 Building $42,200
2022	$3,474.00 Homeowner's exemption	$56,450 Land $14,250 Building $42,200
2021			$161,280 Land $40,710 Building $120,570

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 38277 Poplar Dr 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.

Wildfire

The area around 38277 Poplar Dr 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.

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 434 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

Cell Coverage

5G (outdoors only) and 4G LTE

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