38775 N Bay Dr, Willoughby, OH 44094 Property Records

Lake County property record for 38775 N Bay Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,202 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$311,500 (Feb 2003)
Tax Bill	$10,923 (2023)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-052-D-00-023-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-052-D-00-023-0`
Alternative APN	`106`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,202 sqft Living Area
1st Floor Area	1,499 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2000
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	42 sqft
Deck Area	270 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	106
Street Address	38775 N BAY DR
City	WILLOUGHBY
State	OH
Zip	44094-8009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 DOUGLASS TRACT
Legal Subdivision	NORTH BAY COLONY
Legal Lot Number	64
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2004
Census Tract	201600

Owner

38775 N Bay Dr is owned and occupied by an individual who acquired it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	38775 N BAY DR, WILLOUGHBY, OH 44094-8009
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
Jul 5, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Dec 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 1, 2017	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2003 · Amount on File
Deed Sale	Feb 7, 2003 · Amount on File
Prior Sale	Feb 7, 2003 · Amount on File
Deed Document Number	0000007080
Last Transfer Date	Dec 5, 2019
Transfer Doc	0000030050
Record Updated	Jun 7, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38775 N BAY DR, WILLOUGHBY, OH 44094-8009
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018788
Date	Jul 5, 2022
Instrument	2022R018788

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Amount	Amount on Record
Term	239 Months
Due	Jun 1, 2042

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Dec 5, 2019
Property Address	38775 N BAY DR, WILLOUGHBY, OH 44094-8009
Document Number	0000030050
Instrument Date	Nov 6, 2019
Instrument	30050
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38775 N BAY DR WILLOUGHBY OH 440948009, WILLOUGHBY, OH 44094-8009

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE OH
Property Address	38775 N BAY DR, WILLOUGHBY, OH 44094-8009
Document Number	0000011950
Instrument Date	Mar 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38775 N BAY DR WILLOUGHBY OH 440948009, WILLOUGHBY, OH 44094-8009

Mortgage

Document Number	0000011950
Date	May 10, 2017
Instrument	11950

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	May 9, 2057

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$10,923.00 (+54.8%) Homeowner's exemption	$115,370 (-) Land $21,250 Building $94,120
2022	$7,056.00 Homeowner's exemption	$115,370 Land $21,250 Building $94,120
2021			$329,640 Land $60,720 Building $268,920

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 38775 N Bay Dr 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 38775 N Bay Dr 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 374 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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