38615 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38615 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 780 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Mar 2021)
Tax Bill	$7,520 (2023)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-B-00-004-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-B-00-004-0`
Alternative APN	`178`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	780 sqft Living Area
1st Floor Area	615 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
View / Lot	Dead End
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	95 sqft
Deck Area	432 sqft
Patio Area	432 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38615 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	DEVITO
Legal Block	2
Legal Lot Number	15
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

Owner

38615 Bell Rd is owned and occupied by an individual who bought it in March 2021.

Source: Lake County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	38615 BELL RD, WILLOUGHBY, OH 44094-7521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Apr 11, 2014 · Amount on File
Deed Document Number	20219978
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Mar 24, 2021
Property Address	38615 BELL RD, WILLOUGHBY, OH 44094-7521
Document Number	0000009978
Instrument Date	Mar 24, 2021
Instrument	2021R009978
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount on Record
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
Address	38615 BELL RD, WILLOUGHBY, OH 44094-7521
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009979
Date	Mar 24, 2021
Instrument	2021R009979

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

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		$87,950 Land $31,120 Building $56,830	$251,280 Land $88,920 Building $162,360
2023	$7,520.00 (+54.38%) Homeowner's exemption	$79,430 (-) Land $26,370 Building $53,060
2022	$4,871.00 Homeowner's exemption	$79,430 Land $26,370 Building $53,060
2021			$226,940 Land $75,340 Building $151,600

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

FEMA maps place 38615 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 38615 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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