38605 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38605 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,785 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,513 (2023)
Deeds & Mortgages	May 2022 Second Mortgage Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-B-00-005-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-B-00-005-0`
Alternative APN	`177`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,785 sqft Living Area
Gross Area	2,055 sqft
1st Floor Area	615 sqft
Basement Area	270 sqft
Unfinished Basement	270 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	95 sqft
Deck Area	161 sqft
Patio Area	495 sqft
Balcony	Balcony
Balcony Area	98 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	177
Street Address	38605 BELL RD
City	WILLOUGHBY
State	OH
Zip	44094-7521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Description	LOT 15 GORE TRACT
Legal Subdivision	THE LUISA & ANGELO PUCELLA PRO
Legal Lot Number	15
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

Owner

38605 Bell Rd is owner-occupied and held in a trust since August 2018.

Source: Lake County records, as of April 25, 2024

Owner of Record	2 Trust Names on File
Mailing Address	38605 BELL RD, WILLOUGHBY, OH 44094-7521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THIRD FSLA OF CLEVELAND
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 23, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	May 10, 1996 · Amount on File
Last Transfer Date	Aug 29, 2018
Transfer Doc	0000021887
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38605 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014548
Date	May 20, 2022
Instrument	2022R014548

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38605 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38605 BELL RD, WILLOUGHBY, OH 44094-7521

Mortgage

Document Number	0000038365
Date	Oct 29, 2021
Instrument	2021R038365

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 7, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38605 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014653
Date	May 23, 2022
Instrument	2022R014653

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 14, 2052

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Aug 29, 2018
Property Address	38605 BELL RD, WILLOUGHBY, OH 44094-7521
Document Number	0000021887
Instrument Date	Aug 27, 2018
Instrument	21887
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38605 BELL RD WILLOUGHBY OH 440947521, WILLOUGHBY, OH 44094-7521

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

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
2023	$8,513.00 (+54.53%) Homeowner's exemption	$89,920 (-) Land $26,370 Building $63,550
2022	$5,509.00 Homeowner's exemption	$89,920 Land $26,370 Building $63,550
2021			$256,910 Land $75,340 Building $181,570

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

Flood

FEMA maps place 38605 Bell 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 38605 Bell 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 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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