Lake County property record for 38541 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,760 sqft · built 1962 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Jun 2018) |
| Tax Bill | $5,753 (2023) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-B-00-011-0 |
| Primary APN | 27-B-049-B-00-011-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 660 sqft |
| Finished Basement | 660 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,431 sqft (1.02 acres) |
| View / Lot | Flood Plain |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | 85 sqft |
| Patio Area | 85 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38541 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 SUBDIVISION |
| 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 September 14, 2026
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 | 38541 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jun 29, 2018 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2018 · Amount on Record |
| Deed Sale | Jun 29, 2018 · Amount on Record |
| Prior Sale | Jan 1, 1990 |
| Deed Document Number | 201816306 |
| Prior Transfer Date | Apr 11, 2005 |
| Prior Transfer Doc | 0000015432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38541 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000010577 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021R010577 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 29, 2018 |
| Property Address | 38541 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Document Number | 0000016306 |
| Map Reference | VOL M PG59 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 2018R016306 |
| 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 |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 38541 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Document Number | 0000016307 |
|---|---|
| Date | Jun 29, 2018 |
| Instrument | 2018R016307 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $75,080 (+23.55%) Land $24,080 Building $51,000 | $214,510 (+23.54%) Land $68,800 Building $145,710 | |
| 2023 | $5,753.00 (+53.99%) Homeowner's exemption | $60,770 (-) Land $21,760 Building $39,010 | |
| 2022 | $3,736.00 Homeowner's exemption | $60,770 Land $21,760 Building $39,010 | |
| 2021 | $173,630 Land $62,170 Building $111,460 |
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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