38678 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38678 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,510 sqft · built 1971
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Dec 2021)
Tax Bill	$4,975 (2023)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-D-00-010-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-D-00-010-0`
Alternative APN	`213`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,510 sqft Living Area
1st Floor Area	990 sqft
Basement Area	470 sqft
Finished Basement	470 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Detached
Garage Area	972 sqft
Parking Spaces	3 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	213
Street Address	38678 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

Owner

38678 Bell Rd is owned and occupied by an individual who bought it in December 2021.

Source: Lake County records, as of April 25, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	38678 BELL RD, WILLOUGHBY, OH 44094-7522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 10, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on File
Deed Sale	Dec 10, 2021 · Amount on File
Prior Sale	Dec 10, 2021
Deed Document Number	468703
Record Updated	Jun 7, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Dec 10, 2021
Property Address	38678 BELL RD, WILLOUGHBY, OH 44094-7522
Document Number	0000043455
Instrument Date	Dec 8, 2021
Instrument	2021R043455
Transaction Type	Transfer
Record Updated	Apr 26, 2024

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	38678 BELL RD, WILLOUGHBY, OH 44094-7522

Mortgage

Document Number	0000043456
Date	Dec 10, 2021
Instrument	2021R043456

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LAKE OH
Recording Date	Dec 10, 2021
Property Address	38678 BELL RD, WILLOUGHBY, OH 44094-7522
Document Number	0000043454
Instrument Date	Dec 8, 2021
Instrument	2021R043454
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15889 TWP HWY 108, 108, KIMBOLTON, OH 43749

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	$4,975.00 (+53.6%) Homeowner's exemption	$52,550 (-) Land $14,950 Building $37,600
2022	$3,239.00 Homeowner's exemption	$52,550 Land $14,950 Building $37,600
2021			$150,120 Land $42,700 Building $107,420

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 38678 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 38678 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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