Lake County property record for 3882 Arcadia Cir, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,360 sqft · built 2011 |
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Jul 2019) |
| Tax Bill | $10,465 (2023) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-032-H-00-041-0 |
| Primary APN | 27-A-032-H-00-041-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,666 sqft |
| 1st Floor Area | 833 sqft |
| Basement Area | 306 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,670 sqft (0.222 acres) |
| View / Lot | Central Business |
| Garage Area | 221 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 190 sqft |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3882 ARCADIA CIR |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7876 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 TRACT 4 |
| Legal Subdivision | THE RESERVES OF WILLOUGHBY |
| Legal Tract | 4 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 201500 |
Source: Lake County records, as of December 30, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Oct 28, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Mar 16, 2026 | Transfer on Death Deed, Transfer |
| Aug 7, 2023 | Transfer on Death Deed, Transfer |
| Aug 7, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Jul 19, 2019 | Grant Deed, Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2019 · Amount on Record |
| Deed Sale | Jul 19, 2019 · Amount on Record |
| Prior Sale | Oct 15, 2015 · Amount on Record |
| Deed Document Number | 201916688 |
| Last Transfer Date | Aug 4, 2023 |
| Transfer Doc | 0000015277 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | LAKE COUNTY OHIO |
| Name | Verified Name |
|---|
| Document Number | 0000043366 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 2021R043366 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | MENTOR, OH 44060 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 3, 2041 |
| Index | LIBOR |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|
| Document Number | 0000038154 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 2021R038154 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | MENTOR, OH 44060 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Oct 12, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 16, 2026 |
| Property Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000005188 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Mar 9, 2026 |
| Instrument | 2026R005188 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 7, 2023 |
| Property Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000015277 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 2023R015277 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 7, 2023 |
| Property Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000015276 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 2023R015276 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 19, 2019 |
| Property Address | 3882 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000016688 |
| Instrument Date | Jul 17, 2019 |
| Instrument | 16688 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2019 |
| Title Company | LAWYERS TITLE/CHARDON |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,140.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3882 ARCADIA CIR WILLOUGHBY OH 440947876, WILLOUGHBY, OH 44094-7876 |
| Document Number | 16689 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 16689 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2049 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $120,390 (+8.91%) Land $29,540 Building $90,850 | $343,970 (+8.91%) Land $84,400 Building $259,570 | |
| 2023 | $10,465.00 (+54.76%) Homeowner's exemption | $110,540 (-) Land $23,590 Building $86,950 | |
| 2022 | $6,762.00 Homeowner's exemption | $110,540 Land $23,590 Building $86,950 | |
| 2021 | $315,820 Land $67,400 Building $248,420 |
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.
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 | 1 in force |
| Nearby Flood Claims | 2 (1979–2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2013 · rainfall accumulation |
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: 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.
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 |
| Also Mapped Here | AQUA OHIO - MENTOR |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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