Lake County property record for 38470 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 1956 |
| Lot Size | 1.31 acres (57,238 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $174,000 (Oct 2017) |
| Tax Bill | $6,885 (2023) |
| Deeds & Mortgages | May 2021 Line of Credit May 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-A-00-009-0 |
| Primary APN | 27-B-049-A-00-009-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,334 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1956 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 57,238 sqft (1.31 acres) |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 396 sqft |
| Patio Area | 168 sqft |
| Utility Building | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 228 |
|---|---|
| Street Address | 38470 BELL RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-80 |
| Legal Description | LOT 15 GORE TRACT |
| Legal Subdivision | GORE |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 201600 |
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 |
|---|---|
| Mailing Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 17, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2017 · Amount on Record |
| Deed Sale | Oct 11, 2017 · Amount on Record |
| Prior Sale | Jul 6, 2009 · Amount on Record |
| Deed Document Number | 4157 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000016728 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021R016728 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 19, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | NOT AVAILABLE, ATI |
| Name | Verified Name |
|---|---|
| Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Document Number | 0000016727 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021R016727 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000033980 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 2020R033980 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 175 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 11, 2017 |
| Property Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Document Number | 0000027413 |
| Instrument Date | Oct 6, 2017 |
| Instrument | 2017R027413 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | ENTERPRISE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 38470 BELL RD, WILLOUGHBY, OH 44094-7518 |
| Document Number | 0000027414 |
|---|---|
| Date | Oct 11, 2017 |
| Instrument | 2017R027414 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
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 | $6,885.00 (+54.23%) Homeowner's exemption | $72,720 (-) Land $27,620 Building $45,100 | |
| 2022 | $4,464.00 Homeowner's exemption | $72,720 Land $27,620 Building $45,100 | |
| 2021 | $207,790 Land $78,920 Building $128,870 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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