38554 Ninadell Ave, Willoughby, OH 44094 Property Records

Lake County property record for 38554 Ninadell Ave, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1943
Lot Size	0.283 acres (12,354 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jan 2026)
Tax Bill	$5,875 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-055-E-00-007-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-055-E-00-007-0`
Alternative APN	`E 34`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,808 sqft Living Area
1st Floor Area	888 sqft
Attic Area	644 sqft
Basement Area	180 sqft
Unfinished Basement	180 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	12,354 sqft (0.283 acres)
Lot Dimensions	193 ft deep x 64 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	222 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	E 34
Street Address	38554 NINADELL AVE
City	WILLOUGHBY
State	OH
Zip	44094-7145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 3 DOUGLASS TRACT
Legal Subdivision	THE HOMELAND SUBDIVISION
Legal Lot Number	7
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1004
Census Tract	201700

Owner

Source: Lake County records, as of January 27, 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
Co-owner	Co-owner on Record
Mailing Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jan 15, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Dec 27, 2007
Deed Document Number	2026R000935
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	Jul 14, 2026
Property Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145
Document Number	0000015556
Instrument Date	Jul 9, 2026
Instrument	202615556
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145

Mortgage

Document Number	0000015556,
Date	Jul 14, 2026
Instrument	202615556

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145

Mortgage

Document Number	0000025829
Date	Sep 20, 2022
Instrument	2022R025829

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Jun 25, 2052

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jan 15, 2026
Property Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145
Document Number	0000000935
Map Reference	VOL H PG 21
Instrument Date	Dec 30, 2025
Instrument	2026R000935
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	38554 NINADELL AVE, WILLOUGHBY, OH 44094-7145

Mortgage

Document Number	0000000936
Date	Jan 15, 2026
Instrument	2026R000936

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$5,875.00 (+20.19%)	$71,310 (+38.12%) Land $15,860 Building $55,450	$203,740 (+38.11%) Land $45,310 Building $158,430
2023	$4,888.00 (+34.29%) Homeowner's exemption	$51,630 (-) Land $12,750 Building $38,880
2022	$3,640.00	$51,630 Land $12,750 Building $38,880
2021			$147,520 Land $36,430 Building $111,090

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.

Flood

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 Claims	10 (1986–2006)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Jul 2006 · Severe Storms, Straight Line Winds, And Flooding

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Breezeline.

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