Lake County property record for 3848 Harvard Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1957 |
| Lot Size | 0.192 acres (8,398 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $124,000 (Apr 2020) |
| Tax Bill | $3,829 (2023) |
| Deeds & Mortgages | Jan 2026 Line of Credit Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-033-D-00-059-0 |
| Primary APN | 27-B-033-D-00-059-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 1,344 sqft |
| 1st Floor Area | 960 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,398 sqft (0.192 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
|---|---|
| Porch Area | 32 sqft |
| Patio Area | 60 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 54 |
|---|---|
| Street Address | 3848 HARVARD DR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 9 CARD TRACT |
| Legal Subdivision | THE HARVARD LAND COMPANY SUBDIVISION |
| Legal Lot Number | 64 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 201500 |
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 | 3848 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Apr 7, 2020 | Warranty Deed, Transfer · FHA Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Oct 17, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2020 · Amount on Record |
| Deed Sale | Apr 7, 2020 · Amount on Record |
| Prior Sale | Oct 17, 2019 · Amount on Record |
| Deed Document Number | 451895 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3848 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | UNKNOWN, LAKE |
| Name | Verified Name |
|---|---|
| Address | 3848 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000001095 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 2026R001095 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 7, 2020 |
| Property Address | 3848 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000008727 |
| Map Reference | VOL K PG 89 |
| Instrument Date | Apr 6, 2020 |
| Instrument | 2020R008727 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 3848 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000008728 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 2020R008728 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 17, 2019 |
| Property Address | 3848 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000025669 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 25669 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3848 HARVARD DR WILLOUGHBY OH 440946330, WILLOUGHBY, OH 44094-6330 |
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 | $3,829.00 (+53.1%) Homeowner's exemption | $40,450 (-) Land $13,720 Building $26,730 | |
| 2022 | $2,501.00 Homeowner's exemption | $40,450 Land $13,720 Building $26,730 | |
| 2021 | $115,550 Land $39,190 Building $76,360 |
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 |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 15 (1989–2014) |
| Most Recent Claim | Jan 2014 · river or lake flooding |
| Claims by Event |
|
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 | 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 530 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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