38720 Adkins Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38720 Adkins Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,308 sqft · built 2021
Lot Size	0.455 acres (19,798 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,032 (2023)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-051-B-00-018-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-051-B-00-018-0`
Alternative APN	`145`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,308 sqft Living Area
1st Floor Area	891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Brick/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,798 sqft (0.455 acres)
Lot Dimensions	330 ft deep x 60 ft wide
Garage Area	357 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Deck Area	Deck Area
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	38720 ADKINS RD
City	WILLOUGHBY
State	OH
Zip	44094-7515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Description	LOT 14 DOUGLASS TRACT
Legal Subdivision	DOUG
Legal Block	2
Legal Lot Number	14
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

Owner

38720 Adkins Rd is owned and occupied by two individuals who acquired it in May 2021.

Source: Lake County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38720 ADKINS RD, WILLOUGHBY, OH 44094-7515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
May 4, 2021	Survivorship Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 5, 2020	Grant Deed, Transfer TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LTD
Aug 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021
Deed Sale	May 4, 2021
Prior Sale	Mar 5, 2020 · Amount on File
Deed Document Number	202115193
Prior Transfer Date	Aug 2, 2017
Prior Transfer Doc	0000022296
Record Updated	Oct 29, 2026

May 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAKE OH
Recording Date	May 4, 2021
Property Address	38720 ADKINS RD, WILLOUGHBY, OH 44094-7515
Document Number	0000015193
Instrument Date	Apr 26, 2021
Instrument	2021R015193
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LT

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
Relationship	Right of Survivorship
Address	38720 ADKINS RD, WILLOUGHBY, OH 44094-7515

Mortgage

Document Number	0000015194
Date	May 4, 2021
Instrument	2021R015194

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE OH
Recording Date	Mar 5, 2020
Property Address	38720 ADKINS RD, WILLOUGHBY, OH 44094-7515
Document Number	0000005841
Instrument Date	Mar 4, 2020
Instrument	5841
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LTD

Transaction

Amount	Amount on Record
Tax	$128.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	38720 ADKINS RD WILLOUGHBY OH 440947515, WILLOUGHBY, OH 44094-7515

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Aug 22, 2017
Property Address	38720 ADKINS RD, WILLOUGHBY, OH 44094-7515
Document Number	0000022296
Instrument Date	Aug 2, 2017
Instrument	22296
Transaction Type	Transfer
Record Updated	Sep 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16 BERRYHILL RD #200 COLUMBIA SC 292106433, 200, COLUMBIA, SC 29210-6433

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$123,600 Land $16,340 Building $107,260	$353,150 Land $46,680 Building $306,470
2023	$10,032.00 (+56.8%) Homeowner's exemption	$105,960 (-) Land $13,720 Building $92,240
2022	$6,398.00 Homeowner's exemption	$105,960 Land $13,720 Building $92,240
2021			$302,730 Land $39,200 Building $263,530

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.

Flood

FEMA maps place 38720 Adkins 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 38720 Adkins 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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