38636 Ninadell Ave, Willoughby, OH 44094 Property Records

Lake County property record for 38636 Ninadell Ave, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,866 sqft · built 1990
Lot Size	0.275 acres (12,001 sqft)
Owner	Individual Name on Record
Last Sale	$163,500 (May 2017)
Tax Bill	$5,488 (2023)
Deeds & Mortgages	Jan 2024 Second Mortgage Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-055-E-00-017-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-055-E-00-017-0`
Alternative APN	`E 24`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,866 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	590 sqft
Finished Basement	590 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	12,001 sqft (0.275 acres)
Lot Dimensions	200 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	225 sqft
Patio Area	112 sqft
Balcony	Balcony
Balcony Area	80 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	E 24
Street Address	38636 NINADELL AVE
City	WILLOUGHBY
State	OH
Zip	44094-7147
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 Block	7
Legal Lot Number	25
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1004
Census Tract	201700

Owner

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	Individual Name on Record
Mailing Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 31, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES BANK & TRUST CO
May 18, 2017	Trustee's Deed, Construction Loan · Construction Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Deed Document Number	1954
Record Updated	Jun 7, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147

Mortgage

Document Number	0000000393
Date	Jan 5, 2024
Instrument	2024R000393

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020143
Date	Jun 14, 2021
Instrument	2021R020143

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147

Mortgage

Document Number	0000020144
Date	Jun 14, 2021
Instrument	2021R020144

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	May 31, 2017
Property Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147
Document Number	0000014091
Instrument Date	May 19, 2017
Instrument	2017R014091
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	ENTERPRISE TITLE AGENCY INC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147

Mortgage

Document Number	0000014092
Date	May 31, 2017
Instrument	2017R014092

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAKE OH
Recording Date	May 18, 2017
Property Address	38636 NINADELL AVE, WILLOUGHBY, OH 44094-7147
Instrument Date	May 6, 2017
Instrument	12683
Transaction Type	Construction Loan
Record Updated	May 30, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38636 NINADELL AVE WILLOUGHBY OH 440947147, WILLOUGHBY, OH 44094-7147

Mortgage

Document Number	0000012683
Date	May 18, 2017
Instrument	12683

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 17, 2018

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	$5,488.00 (+53.9%) Homeowner's exemption	$57,970 (-) Land $12,660 Building $45,310
2022	$3,566.00 Homeowner's exemption	$57,970 Land $12,660 Building $45,310
2021			$165,650 Land $36,180 Building $129,470

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	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 680 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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