38681 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38681 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,226 sqft · built 1962
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Tax Bill	$5,530 (2023)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-C-00-009-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-C-00-009-0`
Alternative APN	`186`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,226 sqft Living Area
1st Floor Area	1,226 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Patio Area	42 sqft
Shed	1 Shed
Shed Area	140 sqft
Canopy	322 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	186
Street Address	38681 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	WILLOUGHBY TOWNSHIP GORE
Legal Lot Number	15
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

Owner

38681 Bell Rd is owned and occupied by an individual who acquired it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 18, 2025	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 23, 2022	Transfer on Death Deed, Transfer
Jun 17, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 4, 2021	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021
Deed Sale	Jun 17, 2021
Prior Sale	Dec 5, 2002
Deed Document Number	463224
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041072
Date	Nov 22, 2021
Instrument	2021R041072

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521

Mortgage

Document Number	0000005047
Date	Mar 18, 2025
Instrument	2025R005047

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Nov 1, 2051

March 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Mar 23, 2022
Property Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521
Document Number	0000008459
Instrument Date	Mar 17, 2022
Instrument	2022R008459
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Jun 17, 2021
Property Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521
Document Number	0000020623
Instrument Date	Jun 16, 2021
Instrument	2021R020623
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Jan 4, 2021
Property Address	38681 BELL RD, WILLOUGHBY, OH 44094-7521
Document Number	0000000198
Instrument Date	Dec 17, 2020
Instrument	198
Transaction Type	Transfer
Record Updated	Feb 4, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	38681 BELL RD WILLOUGHBY OH 440947521, WILLOUGHBY, OH 44094-7521

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	$5,530.00 (+53.82%) Homeowner's exemption	$58,410 (-) Land $26,840 Building $31,570
2022	$3,595.00 Homeowner's exemption	$58,410 Land $26,840 Building $31,570
2021			$166,890 Land $76,680 Building $90,210

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

Flood

FEMA maps place 38681 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 38681 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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