38769 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38769 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,635 sqft · built 1920
Lot Size	1.74 acres (75,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$153,000 (Dec 2013)
Tax Bill	$7,802 (2023)
Deeds & Mortgages	Jul 2026 Mortgage May 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-C-00-003-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-C-00-003-0`
Alternative APN	`191`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,635 sqft Living Area
1st Floor Area	512 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1991
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	75,794 sqft (1.74 acres)
Garage Type	Detached
Garage Area	1,450 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	174 sqft
Deck Area	121 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38769 BELL RD
City	WILLOUGHBY
State	OH
Zip	44094-7523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Description	LOT 15 GORE TRACT
Legal Subdivision	GORE
Legal Block	2
Legal Lot Number	15
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201600

Owner

Source: Lake County records, as of July 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38769 BELL RD, WILLOUGHBY, OH 44094-7523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
May 7, 2024	Deed of Trust, Mortgage · Line of Credit CARDINAL CU INC
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2013 · Amount on Record
Deed Sale	Dec 4, 2013 · Amount on Record
Prior Sale	Jan 5, 2007 · Amount on Record
Deed Document Number	201335774
Prior Transfer Date	Jan 6, 2011
Prior Transfer Doc	0000002213
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	Jul 20, 2026
Property Address	38769 BELL RD, WILLOUGHBY, OH 44094-7523
Document Number	0000016024
Instrument Date	Jul 11, 2026
Instrument	202616024
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38769 BELL RD, WILLOUGHBY, OH 44094-7523

Mortgage

Document Number	0000016024,
Date	Jul 20, 2026
Instrument	202616024

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 9, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38769 BELL RD, WILLOUGHBY, OH 44094-7523
Transaction Type	Mortgage
Record Updated	May 16, 2024
Title Company	LAKE COUNTY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008576
Date	May 7, 2024
Instrument	2024R008576

Lender

Name	CARDINAL CU INC
Type	Credit Union
Address	MENTOR, OH 44060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Apr 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38769 BELL RD, WILLOUGHBY, OH 44094-7523
Document Number	0000028310
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38769 BELL RD WILLOUGHBY OH 440947523, WILLOUGHBY, OH 44094-7523

Mortgage

Document Number	0000028310
Date	Sep 30, 2020
Instrument	28310

Lender

Name	CARDINAL CU
Address	MENTOR, OH 44060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 29, 2040

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		$87,580 (+6.27%) Land $31,980 Building $55,600	$250,240 (+6.28%) Land $91,380 Building $158,860
2023	$7,802.00 (+54.28%) Homeowner's exemption	$82,410 (-) Land $27,100 Building $55,310
2022	$5,057.00 Homeowner's exemption	$82,410 Land $27,100 Building $55,310
2021			$235,460 Land $77,420 Building $158,040

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

Flood

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

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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