Lake County property record for 38654 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,696 sqft · built 1969 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $360,000 (Oct 2025) |
| Tax Bill | $3,728 (2024) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-D-00-008-0 |
| Primary APN | 27-B-049-D-00-008-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 1,828 sqft |
| 1st Floor Area | 924 sqft |
| Basement Area | 320 sqft |
| Finished Basement | 320 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Area | 790 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Enclosed Porch |
| Porch Area | 414 sqft |
| Patio Area | 870 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 215 |
|---|---|
| Street Address | 38654 BELL RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-80 |
| Legal Description | LOT 15 GORE TRACT |
| Legal Subdivision | GORE |
| Legal Lot Number | 15 80 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 201600 |
Source: Lake County records, as of October 28, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 7402 CERTIN ST, MENTOR, OH 44060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Non-Conforming Investor Loan ERIEBANK |
| Oct 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage ERIEBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on Record |
| Deed Sale | Oct 17, 2025 · Amount on Record |
| Prior Sale | May 23, 2025 · Amount on Record |
| Deed Document Number | 2025R023214 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38654 BELL RD, WILLOUGHBY, OH 44094-7522 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1821 KENNEDY DR, WICKLIFFE, OH 44092-1615 |
| Document Number | 0000025300 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025R025300 |
| Name | ERIEBANK |
|---|---|
| Type | Bank |
| Address | MENTOR, OH 44060 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 17, 2025 |
| Property Address | 38654 BELL RD, WILLOUGHBY, OH 44094-7522 |
| Document Number | 0000023214 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 2025R023214 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 7402 CERTIN ST, MENTOR, OH 44060 |
| Document Number | 0000023215 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025R023215 |
| Name | ERIEBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
Source: Lake County assessment roll, as of August 1, 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,728.00 (-39.6%) Homeowner's exemption Senior Citizen's exemption | $77,270 (+18.53%) Land $17,640 Building $59,630 | $220,760 (+18.54%) Land $50,400 Building $170,360 |
| 2023 | $6,172.00 (+54.03%) Homeowner's exemption Senior Citizen's exemption | $65,190 (-) Land $14,950 Building $50,240 | |
| 2022 | $4,007.00 Homeowner's exemption | $65,190 Land $14,950 Building $50,240 | |
| 2021 | $186,230 Land $42,700 Building $143,530 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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