38645 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38645 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,505 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,410 (Jan 1996)
Tax Bill	$7,530 (2023)
Deeds & Mortgages	Oct 2023 Line of Credit May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-B-00-001-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-B-00-001-0`
Alternative APN	`181`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,505 sqft Living Area
1st Floor Area	615 sqft
Family Room	Family Room

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	314 sqft
Patio Area	314 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	181
Street Address	38645 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 Lot Number	15
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

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	2 Individual Names on Record
Mailing Address	38645 BELL RD, WILLOUGHBY, OH 44094-7521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 10, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 1996 · Amount on Record
Deed Sale	Jan 30, 1996 · Amount on Record
Prior Sale	Sep 21, 1995 · Amount on Record
Deed Document Number	234
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38645 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Apr 26, 2024
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38645 BELL RD, WILLOUGHBY, OH 44094-7521

Mortgage

Document Number	0000020769
Date	Oct 16, 2023
Instrument	2023R020769

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38645 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011889
Date	May 10, 2017
Instrument	2017R011889

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	RIVERSIDE, RI 02915

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 10, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$7,530.00 (+50.87%) Homeowner's exemption	$79,540 (-) Land $26,370 Building $53,170
2022	$4,991.00	$79,540 Land $26,370 Building $53,170
2021			$227,250 Land $75,340 Building $151,910

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

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 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

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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