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38649 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38649 Bell Rd, Willoughby, OH 44094

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,460 sqft · built 1963
Lot Size1.02 acres (44,431 sqft)
Owner2 Owner Names on Record
Last Sale$164,500 (Aug 2007)
Tax Bill$6,140 (2023)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN27-B-049-C-00-007-0

Property Details

APN / Parcel Number

Primary APN27-B-049-C-00-007-0
Alternative APN
  • 183

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,460 sqft Living Area
1st Floor Area1,448 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1980
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area44,431 sqft (1.02 acres)
Garage Area352 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchPorch
Porch Area20 sqft
Patio Area70 sqft
Canopy20 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelGas

Location & Zoning

Account Number183
Street Address38649 BELL RD
CityWILLOUGHBY
StateOH
Zip44094-7521
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-80
Legal DescriptionLOT 15 GORE TRACT
Legal SubdivisionGORE
Legal Lot Number15 66
JurisdictionLAKE OH
Township / Civil DivisionWILLOUGHBY
Census Block Group2
Census Block2006
Census Tract201600

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 Record2 Owner Names on Record
Mailing Address38649 BELL RD, WILLOUGHBY, OH 44094-7521
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2007 · Amount on Record
Deed SaleAug 17, 2007 · Amount on Record
Prior SaleMar 24, 1998 · Amount on Record
Deed Document Number2965
Record UpdatedJun 7, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE OH
Property Address38649 BELL RD, WILLOUGHBY, OH 44094-7521
Document Number0000028689
Instrument DateSep 28, 2020
Transaction TypeMortgage
Record UpdatedOct 26, 2020
Title CompanyENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address38649 BELL RD WILLOUGHBY OH 440947521, WILLOUGHBY, OH 44094-7521

Mortgage

Document Number0000028689
DateOct 2, 2020
Instrument28689
Lender
NameCARDINAL CU
AddressMENTOR, OH 44060
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyLake County
MunicipalityWilloughby City
Unified School DistrictWilloughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$6,140.00 (+54.08%) Homeowner's exemption$64,860 (-) Land $27,200 Building $37,660
2022$3,985.00 Homeowner's exemption$64,860 Land $27,200 Building $37,660
2021$185,300 Land $77,710 Building $107,590

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2013)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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 RiskLow
lower than 94% of the US · lower than 74% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemLAKE COUNTY WEST WATER SUBDISTRICT
serves 78,379 people · EPA ID OH4302411
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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