38815 Bell Rd, Willoughby, OH 44094 Property Records

Lake County property record for 38815 Bell Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,307 sqft · built 1990
Lot Size	2.34 acres (102,105 sqft)
Owner	2 Owner Names on Record
Tax Bill	$11,955 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-049-C-00-011-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-049-C-00-011-0`
Alternative APN	`193`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,307 sqft Living Area
Gross Area	3,451 sqft
1st Floor Area	1,422 sqft
Basement Area	144 sqft
Unfinished Basement	144 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Colonial
Exterior Material	Combination
Lot Area	102,105 sqft (2.34 acres)
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	145 sqft
Deck Area	100 sqft
Patio Area	1,236 sqft
Balcony	Balcony
Balcony Area	43 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	193
Street Address	38815 BELL RD
City	WILLOUGHBY
State	OH
Zip	44094-7525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 GORE TRACT
Legal Subdivision	ORIGINAL WILLOUGHBY TOWNSHIP
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 April 25, 2024

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

Owner of Record	2 Owner Names on Record
Mailing Address	38815 BELL RD, WILLOUGHBY, OH 44094-7525
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 22, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Sep 19, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Jan 5, 2007
Record Updated	Jun 7, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38815 BELL RD, WILLOUGHBY, OH 44094-7525
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044266
Date	Dec 17, 2021
Instrument	2021R044266

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38815 BELL RD, WILLOUGHBY, OH 44094-7525
Document Number	0000010719
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38815 BELL RD WILLOUGHBY OH 440947525, WILLOUGHBY, OH 44094-7525

Mortgage

Document Number	0000010719
Date	Apr 30, 2020
Instrument	10719

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	38815 BELL RD, WILLOUGHBY, OH 44094-7525
Document Number	0000025924
Instrument Date	Sep 19, 2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38815 BELL RD WILLOUGHBY OH 440947525, WILLOUGHBY, OH 44094-7525

Mortgage

Document Number	0000025924
Date	Sep 27, 2017
Instrument	25924

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

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	$11,955.00 (+54.68%) Homeowner's exemption	$126,270 (-) Land $33,220 Building $93,050
2022	$7,729.00 Homeowner's exemption	$126,270 Land $33,220 Building $93,050
2021			$360,750 Land $94,900 Building $265,850

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 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.

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