Lake County property record for 38548 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,549 sqft · built 2002 |
| Lot Size | 0.586 acres (25,517 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $173,800 (Feb 2002) |
| Tax Bill | $7,929 (2023) |
| Deeds & Mortgages | Aug 2026 Line of Credit Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-A-00-018-0 |
| Primary APN | 27-B-049-A-00-018-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,549 sqft Living Area |
| Gross Area | 1,693 sqft |
| 1st Floor Area | 1,405 sqft |
| Basement Area | 144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,517 sqft (0.586 acres) |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 35 sqft |
| Deck Area | 318 sqft |
| Patio Area | 414 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38548 BELL RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 & 15 GORE TRACT |
| Legal Subdivision | WILLOUGHBY TOWNSHIP GORE |
| Legal Block | 2 |
| Legal Lot Number | 2,15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 201600 |
Source: Lake County records, as of August 20, 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 | 38548 BELL RD, WILLOUGHBY, OH 44094-7520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORPORATION |
| Nov 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2002 · Amount on Record |
| Deed Sale | Feb 19, 2002 · Amount on Record |
| Prior Sale | Sep 12, 2001 · Amount on Record |
| Deed Document Number | 20028417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 7, 2026 |
| Property Address | 38548 BELL RD, WILLOUGHBY, OH 44094-7520 |
| Document Number | 0000017707 |
| Instrument Date | Aug 1, 2026 |
| Instrument | 202617707 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 38548 BELL RD, WILLOUGHBY, OH 44094-7520 |
| Document Number | 0000017707, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 202617707 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38548 BELL RD, WILLOUGHBY, OH 44094-7520 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000039071 |
|---|---|
| Date | Nov 4, 2021 |
| Instrument | 2021R039071 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
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 | $97,590 (+16.53%) Land $26,570 Building $71,020 | $278,840 (+16.52%) Land $75,920 Building $202,920 | |
| 2023 | $7,929.00 (+54.47%) Homeowner's exemption | $83,750 (-) Land $22,510 Building $61,240 | |
| 2022 | $5,133.00 Homeowner's exemption | $83,750 Land $22,510 Building $61,240 | |
| 2021 | $239,300 Land $64,320 Building $174,980 |
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 | 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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