Lake County property record for 38797 Bell Rd, Willoughby, OH 44094 · Last verified May 2024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,131 sqft · built 2007 |
| Lot Size | 0.917 acres (39,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $289,000 (May 2017) |
| Tax Bill | $11,456 (2023) |
| Deeds & Mortgages | Feb 2021 Line of Credit Dec 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-C-00-016-0 |
| Primary APN | 27-B-049-C-00-016-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,131 sqft Living Area |
| 1st Floor Area | 2,131 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 39,988 sqft (0.917 acres) |
| Garage Area | 725 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 640 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 63 sqft |
| Patio Area | 142 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 192 |
|---|---|
| Street Address | 38797 BELL RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 GORE TRACT |
| Legal Subdivision | GORE |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 201600 |
Source: Lake County records · APN 27-B-049-C-00-016-0
Assessment roll updated August 1, 2023 · Last verified May 2024
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 File |
|---|---|
| Mailing Address | 38797 BELL RD, WILLOUGHBY, OH 44094-7523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 09, 2021 | Deed of Trust, Mortgage · Line of Credit THE OHIO EDUCATIONAL CU INC |
| Dec 05, 2023 | Deed of Trust, Mortgage · Line of Credit THE OHIO EDUCATIONAL CU INC |
| Feb 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| May 11, 2017 | Grant Deed, Transfer · FHA Mortgage HOWARD HANNA MTG SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 11, 2017 · Amount on Record |
| Deed Sale | May 11, 2017 · Amount on Record |
| Deed Document Number | 1579 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38797 BELL RD, WILLOUGHBY, OH 44094-7523 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004627 |
|---|---|
| Date | Feb 09, 2021 |
| Instrument | 2021R004627 |
| Name | THE OHIO EDUCATIONAL CU INC |
|---|---|
| Type | Credit Union |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38797 BELL RD, WILLOUGHBY, OH 44094-7523 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000024265 |
|---|---|
| Date | Dec 05, 2023 |
| Instrument | 2023R024265 |
| Name | THE OHIO EDUCATIONAL CU INC |
|---|---|
| Type | Credit Union |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 04, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38797 BELL RD, WILLOUGHBY, OH 44094-7523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004531 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 2020R004531 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15238 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2040 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 11, 2017 |
| Property Address | 38797 BELL RD, WILLOUGHBY, OH 44094-7523 |
| Document Number | 0000012102 |
| Instrument Date | May 11, 2017 |
| Instrument | 12102 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2017 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,156.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38797 BELL RD WILLOUGHBY OH 440947523, WILLOUGHBY, OH 44094-7523 |
| Document Number | 12103 |
|---|---|
| Date | May 11, 2017 |
| Instrument | 12103 |
| Name | HOWARD HANNA MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | MAYFIELD HEIGHTS, OH 44124 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2047 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $11,456.00 (+54.79%) Homeowner's exemption | $121,000 (-) Land $25,570 Building $95,430 | |
| 2022 | $7,401.00 Homeowner's exemption | $121,000 Land $25,570 Building $95,430 | |
| 2021 | $345,720 Land $73,070 Building $272,650 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852016002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2013 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 374 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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