Lake County property record for 38345 Westminster Ln, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,338 sqft · built 1996 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,151 (2023) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-050-H-00-031-0 |
| Primary APN | 27-B-050-H-00-031-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,338 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 536 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 442 sqft |
| Deck Area | 180 sqft |
| Patio Area | 405 sqft |
| Balcony | Balcony |
| Balcony Area | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 97 |
|---|---|
| Street Address | 38345 WESTMINSTER LN |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 DOUGLASS TRACT |
| Legal Subdivision | WESTMINSTER ABBEY |
| Legal Lot Number | 31 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 201600 |
38345 Westminster Ln is owned and occupied by two individuals who acquired it in August 2002.
Source: Lake County records, as of April 25, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38345 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2002 |
| Deed Sale | Aug 14, 2002 |
| Prior Sale | May 28, 2002 · Amount on File |
| Deed Document Number | E3199 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38345 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38345 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565 |
| Document Number | 0000003524 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | 2026R003524 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
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 | $9,151.00 (+54.6%) Homeowner's exemption | $96,660 (-) Land $20,130 Building $76,530 | |
| 2022 | $5,919.00 Homeowner's exemption | $96,660 Land $20,130 Building $76,530 | |
| 2021 | $276,150 Land $57,500 Building $218,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38345 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.
Wildfire risk around 38345 Westminster Ln 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.
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 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 |
5G (outdoors only) and 4G LTE
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