38580 Adkins Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38580 Adkins Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,507 sqft · built 1969
Lot Size	0.818 acres (35,641 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Jul 1999)
Tax Bill	$6,933 (2023)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-051-B-00-008-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-051-B-00-008-0`
Alternative APN	`155`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,507 sqft Living Area
1st Floor Area	990 sqft
Basement Area	380 sqft
Finished Basement	380 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,641 sqft (0.818 acres)
Lot Dimensions	330 ft deep x 108 ft wide
View / Lot	Extra Front
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	150 sqft
Patio Area	615 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	38580 ADKINS RD
City	WILLOUGHBY
State	OH
Zip	44094-7511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Description	LOT 14 DOUGLASS TRACT
Legal Subdivision	DOUG
Legal Block	2
Legal Lot Number	14
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

Owner

38580 Adkins Rd is owned and occupied by an individual who bought it in July 1999.

Source: Lake County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	38580 ADKINS RD, WILLOUGHBY, OH 44094-7511
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Feb 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Mar 13, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 1999 · Amount on File
Deed Sale	Jul 30, 1999 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	199937027
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	Apr 13, 2026
Property Address	38580 ADKINS RD, WILLOUGHBY, OH 44094-7511
Document Number	0000007363
Instrument Date	Mar 31, 2026
Instrument	20267363
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38580 ADKINS RD, WILLOUGHBY, OH 44094-7511

Mortgage

Document Number	0000007363,
Date	Apr 13, 2026
Instrument	20267363

Lender

Name	CITIZENS BANK INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 6, 2051

Interest

Rate	6%
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38580 ADKINS RD, WILLOUGHBY, OH 44094-7511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003127
Date	Feb 3, 2017
Instrument	2017R003127

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 3, 2027

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38580 ADKINS RD, WILLOUGHBY, OH 44094-7511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006444
Date	Mar 13, 2017
Instrument	2017R006444

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 3, 2042

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$84,140 Land $21,220 Building $62,920	$240,410 Land $60,630 Building $179,780
2023	$6,933.00 (+54.27%) Homeowner's exemption	$73,230 (-) Land $17,920 Building $55,310
2022	$4,494.00 Homeowner's exemption	$73,230 Land $17,920 Building $55,310
2021			$209,230 Land $51,190 Building $158,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38580 Adkins Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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.

Wildfire

Wildfire risk around 38580 Adkins Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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.

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 434 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Adkins Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures