Lake County property record for 38517 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,965 sqft · built 1967 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $107,500 (Sep 2013) |
| Tax Bill | $7,139 (2023) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-B-00-014-0 |
| Primary APN | 27-B-049-B-00-014-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,965 sqft Living Area |
| 1st Floor Area | 1,034 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Family Room | Family Room |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Area | 1,320 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Patio Area | 390 sqft |
| Canopy | 570 sqft |
| Greenhouse | 532 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38517 BELL RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-80 |
| Legal Description | LOT 2 GORE TRACT |
| Legal Subdivision | DEVITO |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 201600 |
Source: Lake County records, as of October 7, 2026
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 Record |
|---|---|
| Mailing Address | 38517 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Feb 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2013 · Amount on Record |
| Deed Sale | Sep 9, 2013 · Amount on Record |
| Prior Sale | Apr 10, 2008 · Amount on Record |
| Deed Document Number | 201327789 |
| Prior Transfer Date | Sep 10, 2008 |
| Prior Transfer Doc | 0000027555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 24, 2026 |
| Property Address | 38517 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Document Number | 0000021932 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 202621932 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 38517 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Document Number | 0000021932, |
|---|---|
| Date | Sep 24, 2026 |
| Instrument | 202621932 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 18, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38517 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000011391 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 2021R011391 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38517 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004459 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 2020R004459 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 183 Months |
| Due | May 1, 2035 |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $85,040 (+12.77%) Land $31,620 Building $53,420 | $242,970 (+12.78%) Land $90,350 Building $152,620 | |
| 2023 | $7,139.00 (+54.32%) Homeowner's exemption | $75,410 (-) Land $26,790 Building $48,620 | |
| 2022 | $4,626.00 Homeowner's exemption | $75,410 Land $26,790 Building $48,620 | |
| 2021 | $215,440 Land $76,540 Building $138,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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