38385 Westminster Ln, Willoughby, OH 44094 Property Records

Lake County property record for 38385 Westminster Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,918 sqft · built 1995
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jun 2021)
Tax Bill	$7,989 (2023)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-050-H-00-021-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-050-H-00-021-0`
Alternative APN	`100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,918 sqft Living Area
1st Floor Area	918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.189 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	196 sqft
Deck Area	178 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	100
Street Address	38385 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	21
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1000
Census Tract	201600

Owner

38385 Westminster Ln is owned and occupied by an individual who bought it in June 2021.

Source: Lake County records, as of April 25, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	38385 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.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 25, 2021	Survivorship Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 8, 2019	Grant Deed, Transfer · Conventional with PMI KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Mar 8, 2019 · Amount on File
Deed Document Number	463484
Record Updated	Jun 7, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38385 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027694
Date	Nov 12, 2019
Instrument	2019R027694

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2034

June 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAKE OH
Recording Date	Jun 25, 2021
Property Address	38385 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565
Document Number	0000021753
Map Reference	VOL 21 PG 24
Instrument Date	Jun 24, 2021
Instrument	2021R021753
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	ENTERPRISE TITLE AGENCY, 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	38385 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565

Mortgage

Document Number	0000021754
Date	Jun 25, 2021
Instrument	2021R021754

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE OH
Recording Date	Mar 8, 2019
Property Address	38385 WESTMINSTER LN, WILLOUGHBY, OH 44094-7565
Document Number	0000004751
Instrument Date	Mar 7, 2019
Instrument	4751
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38385 WESTMINSTER LN WILLOUGHBY OH 440947565, WILLOUGHBY, OH 44094-7565

Mortgage

Document Number	4752
Date	Mar 8, 2019
Instrument	4752

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

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
2023	$7,989.00 (+54.47%) Homeowner's exemption	$84,380 (-) Land $18,350 Building $66,030
2022	$5,172.00 Homeowner's exemption	$84,380 Land $18,350 Building $66,030
2021			$241,100 Land $52,440 Building $188,660

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 38385 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

Wildfire risk around 38385 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.

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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