38425 Chardon Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38425 Chardon Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,472 sqft · built 1972
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,106 (2023)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`31-A-009-B-00-050-0`

Property Details

APN / Parcel Number

Primary APN	`31-A-009-B-00-050-0`
Alternative APN	`B 40`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,472 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	1,134 sqft
Basement Area	216 sqft
Unfinished Basement	216 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	40,511 sqft (0.93 acres)
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	B 40
Street Address	38425 CHARDON RD
City	WILLOUGHBY
State	OH
Zip	44094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 3 TRACT 1 & LOT 11 TRACT 5 PART OF S/L 23 & 30
Legal Subdivision	BERKSHIRE HILLS ESTATES
Legal Tract	1,5
Legal Lot Number	3 30
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY HILLS
Census Block Group	1
Census Block	1013
Census Tract	201102

Owner

Source: Lake County records · APN 31-A-009-B-00-050-0

Assessment roll updated August 1, 2023 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	38425 PLEASANT VALLEY RD, WILLOUGHBY HILLS, OH 44094-9437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 01, 1990
Deed Sale	Jan 01, 1990
Record Updated	Jun 07, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38425 CHARDON RD, WILLOUGHBY, OH 44094
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	LAKE COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016186
Date	Jul 16, 2019
Instrument	2019R016186

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby Hills City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,106.00 (+61.03%) Homeowner's exemption Senior Citizen's exemption	$110,890 (-) Land $21,650 Building $89,240
2022	$6,276.00 Homeowner's exemption Senior Citizen's exemption	$110,890 Land $21,650 Building $89,240
2021			$316,840 Land $61,870 Building $254,970

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (2006–2026)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2026 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Based on FCC filings for 120 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.