Lake County property record for 38875 Sunset Trl, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 888 sqft · built 1925 |
| Lot Size | 0.669 acres (29,155 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $397,500 (May 2023) |
| Tax Bill | $4,294 (2023) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-057-L-00-017-0 |
| Primary APN | 27-B-057-L-00-017-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 888 sqft Living Area |
| Gross Area | 1,356 sqft |
| 1st Floor Area | 702 sqft |
| Basement Area | 234 sqft |
| Family Room | Family Room |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,155 sqft (0.669 acres) |
| Lot Dimensions | 226 ft deep x 129 ft wide |
| View / Lot | Central Business District |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Frame Porch |
| Porch Area | 243 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38875 SUNSET TRL |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 1 & 4 DOUGLASS & 16 TRACT S/L 15, 14 & PART OF S/L 13 |
| Legal Subdivision | ARROWHEAD BEACH ALLOTMENT |
| Legal Tract | S |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 201700 |
Source: Lake County records, as of June 9, 2026
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 | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 23, 2023 | Survivorship Deed, Transfer |
| Mar 15, 2021 | Transfer on Death Deed, Transfer |
| Dec 11, 2018 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2023 · Amount on Record |
| Deed Sale | May 23, 2023 · Amount on Record |
| Prior Sale | Nov 29, 1972 |
| Deed Document Number | 20239576 |
| Prior Transfer Date | Mar 12, 2021 |
| Prior Transfer Doc | 0000008637 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 28, 2026 |
| Property Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Document Number | 0000011350 |
| Instrument Date | May 19, 2026 |
| Instrument | 202611350 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Document Number | 0000011350, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202611350 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 19, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000026822 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025R026822 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000011653 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 2023R011653 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 23, 2023 |
| Property Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Document Number | 0000009576 |
| Map Reference | VOL E PG 13 |
| Instrument Date | May 19, 2023 |
| Instrument | 2023R009576 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 15, 2021 |
| Property Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Document Number | 0000008637 |
| Map Reference | VOL E PG 13 |
| Instrument Date | Mar 10, 2021 |
| Instrument | 2021R008637 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 261 SHELTON BLVD, EASTLAKE, OH 44095-1070 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 11, 2018 |
| Property Address | 38875 SUNSET TRL, WILLOUGHBY, OH 44094-7223 |
| Document Number | 0000031237 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 31237 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38875 SUNSET TRL WILLOUGHBY OH 440947223, WILLOUGHBY, OH 44094-7223 |
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 | $115,420 (+154.45%) Land $80,800 Building $34,620 | $329,780 (+154.48%) Land $230,860 Building $98,920 | |
| 2023 | $4,294.00 (+49.93%) Homeowner's exemption | $45,360 (-) Land $17,750 Building $27,610 | |
| 2022 | $2,864.00 | $45,360 Land $17,750 Building $27,610 | |
| 2021 | $129,590 Land $50,700 Building $78,890 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 11 (1978–1991) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | May 1991 · erosion |
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 | Not rated no burnable land within 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 | AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2021–2023) 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 604 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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