Lake County property record for 38593 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,992 sqft · built 1997 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Sep 1996) |
| Tax Bill | $10,811 (2023) |
| Deeds & Mortgages | Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-B-00-006-0 |
| Primary APN | 27-B-049-B-00-006-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,992 sqft Living Area |
| Gross Area | 3,122 sqft |
| 1st Floor Area | 400 sqft |
| Attic Area | 100 sqft |
| Basement Area | 1,030 sqft |
| Unfinished Basement | 1,030 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 156 sqft |
| Patio Area | 588 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 176 |
|---|---|
| Street Address | 38593 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 15 GORE TRACT |
| Legal Subdivision | GORE |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 201600 |
Source: Lake County records, as of April 25, 2024
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 | 38593 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 1996 · Amount on Record |
| Deed Sale | Sep 9, 1996 · Amount on Record |
| Deed Document Number | 3599 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38593 BELL RD, WILLOUGHBY, OH 44094-7519 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 0000031210 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 2020R031210 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 19, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $10,811.00 (+54.66%) Homeowner's exemption | $114,190 (-) Land $30,420 Building $83,770 | |
| 2022 | $6,990.00 Homeowner's exemption | $114,190 Land $30,420 Building $83,770 | |
| 2021 | $326,250 Land $86,910 Building $239,340 |
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 94% of the US · lower than 74% 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 |
5G (outdoors only) and 4G LTE
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