Lake County property record for 38432 Gold Rush Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,920 sqft · built 2020 |
| Lot Size | 0.275 acres (12,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Mar 2020) |
| Tax Bill | $13,234 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2020 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-047-J-00-009-0 |
| Primary APN | 27-B-047-J-00-009-0 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,920 sqft Living Area |
| Basement Area | 452 sqft |
| Unfinished Basement | 452 sqft |
| Family Room | Family Room |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,001 sqft (0.275 acres) |
| Garage Area | 807 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 560 sqft |
| Porch | Open Porch |
| Patio Area | 308 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Street Address | 38432 GOLD RUSH DR |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1, 2 & 15 GORE TRACT |
| Legal Subdivision | MELROSE FARMS SUBDIVISION |
| Legal Lot Number | 87 2 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 201600 |
38432 Gold Rush Dr is owned by an individual who bought it in March 2020.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 38432 GOLD RUSH DR, WILLOUGHBY, OH 44094-7705 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Mar 25, 2020 | Warranty Deed, Construction Loan · Construction Mortgage FIRST FEDERAL BANK OF THE MIDWEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on File |
| Deed Sale | Mar 25, 2020 · Amount on File |
| Deed Document Number | 451664 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38432 GOLD RUSH DR, WILLOUGHBY, OH 44094-7705 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | NOT AVAILABLE, CSSOH |
| Name | Verified Name |
|---|
| Document Number | 0000036052 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021R036052 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 25, 2020 |
| Property Address | 38432 GOLD RUSH DR, WILLOUGHBY, OH 44094-7705 |
| Document Number | 0000007642 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 2020R007642 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 25, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 5583 REEF RD, MENTOR ON THE LAKE, OH 44060-2535 |
| Document Number | 0000007643 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 2020R007643 |
| Name | FIRST FEDERAL BANK OF THE MIDWEST |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 369 Months |
| Due | Dec 1, 2050 |
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 | $13,234.00 (+57.75%) Homeowner's exemption | $139,780 (+4.38%) Land $38,920 Building $100,860 | |
| 2022 | $8,389.00 | $133,910 Land $38,920 Building $94,990 | |
| 2021 | $399,370 Land $111,210 Building $288,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38432 Gold Rush 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 | 4 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2013 |
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.
The area around 38432 Gold Rush 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.
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 235 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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