Lake County property record for 38870 Bell Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,218 sqft · built 1999 |
| Lot Size | 0.707 acres (30,827 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $218,800 (Sep 1999) |
| Tax Bill | $9,379 (2023) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-049-D-00-001-0 |
| Primary APN | 27-B-049-D-00-001-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,218 sqft Living Area |
| Gross Area | 2,274 sqft |
| 1st Floor Area | 1,073 sqft |
| Basement Area | 56 sqft |
| Unfinished Basement | 56 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 30,827 sqft (0.707 acres) |
| Garage Area | 725 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 185 sqft |
| Deck Area | 340 sqft |
| Patio Area | 340 sqft |
| Balcony | Balcony |
| Balcony Area | 16 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 200 |
|---|---|
| Street Address | 38870 BELL RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-80 |
| Legal Description | LOT 15 GORE TRACT |
| Legal Subdivision | PATRIOT |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | MENTOR |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 203000 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 38870 BELL RD, WILLOUGHBY, OH 44094-7526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 1999 · Amount on Record |
| Deed Sale | Sep 3, 1999 · Amount on Record |
| Prior Sale | Mar 16, 1999 · Amount on Record |
| Deed Document Number | 3732 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38870 BELL RD, WILLOUGHBY, OH 44094-7526 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004184 |
|---|---|
| Date | Feb 16, 2017 |
| Instrument | 2017R004184 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 3, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Mentor City |
| Unified School District | Mentor Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $9,379.00 (+54.67%) Homeowner's exemption | $99,060 (-) Land $24,930 Building $74,130 | |
| 2022 | $6,064.00 Homeowner's exemption | $99,060 Land $24,930 Building $74,130 | |
| 2021 | $283,020 Land $71,230 Building $211,790 |
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 |
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 95% of the US · lower than 78% 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.
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 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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures