38430 Westminster Ln, Willoughby, OH 44094 Property Records

Lake County property record for 38430 Westminster Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,785 sqft · built 1998
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Apr 2022)
Tax Bill	$8,447 (2023)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-050-H-00-029-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-050-H-00-029-0`
Alternative APN	`1`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,785 sqft Living Area
Gross Area	2,217 sqft
1st Floor Area	575 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.219 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	54 sqft
Deck Area	457 sqft
Patio Area	457 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1
Street Address	38430 WESTMINSTER LN
City	WILLOUGHBY
State	OH
Zip	44094-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 DOUGLASS TRACT
Legal Subdivision	WESTMINSTER ABBEY
Legal Lot Number	29
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1000
Census Tract	201600

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage WOODSIDE MORTGAGE SERVICES INC
Nov 4, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 3, 2021	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 3, 2018	Deed of Trust, Mortgage · Line of Credit FIRST OH HM FIN
May 2, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST OH HM FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Sep 11, 2003 · Amount on Record
Deed Document Number	472203
Record Updated	Jun 7, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Apr 29, 2022
Property Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Document Number	0000012506
Map Reference	VOL 21 PG 24
Instrument Date	Apr 28, 2022
Instrument	2022R012506
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
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	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806

Mortgage

Document Number	0000012507
Date	Apr 29, 2022
Instrument	2022R012507

Lender

Name	WOODSIDE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039100
Date	Nov 4, 2021
Instrument	2021R039100

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Transaction Type	Mortgage
Record Updated	Dec 10, 2021
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038872
Date	Nov 3, 2021
Instrument	2021R038872

Lender

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

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029735
Date	Oct 13, 2020
Instrument	2020R029735

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 18, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Document Number	0000011197
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	May 14, 2018
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38430 WESTMINSTER LN WILLOUGHBY OH 440948806, WILLOUGHBY, OH 44094-8806

Mortgage

Document Number	0000011197
Date	May 8, 2018
Instrument	11197

Lender

Name	FIRST OH HM FIN
Type	Funding / Finance Company
Address	WESTERVILLE, OH 43082

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 7, 2033

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38430 WESTMINSTER LN, WILLOUGHBY, OH 44094-8806
Document Number	0000011628
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	May 15, 2017
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38430 WESTMINSTER LN WILLOUGHBY OH 440948806, WILLOUGHBY, OH 44094-8806

Mortgage

Document Number	0000011628
Date	May 8, 2017
Instrument	11628

Lender

Name	FIRST OH HM FIN
Type	Funding / Finance Company
Address	WESTERVILLE, OH 43082

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 7, 2037

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	$8,447.00 (+54.54%) Homeowner's exemption	$89,220 (-) Land $19,480 Building $69,740
2022	$5,466.00 Homeowner's exemption	$89,220 Land $19,480 Building $69,740
2021			$254,930 Land $55,660 Building $199,270

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

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

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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