Lake County property record for 3890 Arcadia Cir, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,110 sqft · built 2009 |
| Lot Size | 0.296 acres (12,894 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $12,133 (2023) |
| Deeds & Mortgages | May 2023 Mortgage Feb 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-032-H-00-007-0 |
| Primary APN | 27-A-032-H-00-007-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,110 sqft Living Area |
| Gross Area | 3,510 sqft |
| 1st Floor Area | 410 sqft |
| Basement Area | 1,400 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,894 sqft (0.296 acres) |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 236 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 3890 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 | 2007 |
| Census Tract | 201500 |
3890 Arcadia Cir is owned by a company that acquired it in November 2022.
Source: Lake County records, as of December 30, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 6, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 6, 2023 | Intrafamily Transfer, Transfer AMROCK INC |
| Apr 21, 2022 | Intrafamily Transfer, Transfer AMROCK INC, AMROCK |
| Apr 12, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 13, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2022 |
| Deed Sale | Apr 12, 2022 |
| Prior Sale | Mar 12, 2010 · Amount on File |
| Deed Document Number | 202210664 |
| Last Transfer Date | Nov 22, 2022 |
| Transfer Doc | 0000002088 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | EMERALD GLEN TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000010026 |
|---|---|
| Date | May 30, 2023 |
| Instrument | 2023R010026 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jun 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Feb 6, 2023 |
| Property Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000002086 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 2023R002086 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | AMROCK INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000002087 |
|---|---|
| Date | Feb 6, 2023 |
| Instrument | 2023R002087 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Feb 6, 2023 |
| Property Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000002088 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 2023R002088 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | AMROCK INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 21, 2022 |
| Property Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000011664 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 2022R011664 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | AMROCK INC, AMROCK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 12, 2022 |
| Property Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000010664 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 2022R010664 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000010665 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 2022R010665 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 13, 2018 |
| Property Address | 3890 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000014720 |
| Instrument Date | Jun 13, 2018 |
| Instrument | 14720 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3890 ARCADIA CIR WILLOUGHBY OH 440947876, WILLOUGHBY, OH 44094-7876 |
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 | $129,590 Land $33,120 Building $96,470 | $370,250 Land $94,630 Building $275,620 | |
| 2023 | $12,133.00 (+54.9%) Homeowner's exemption | $128,150 (-) Land $26,450 Building $101,700 | |
| 2022 | $7,833.00 Homeowner's exemption | $128,150 Land $26,450 Building $101,700 | |
| 2021 | $366,140 Land $75,570 Building $290,570 |
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.
FEMA maps place 3890 Arcadia Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
Wildfire risk around 3890 Arcadia Cir is low, with less than a 0.01% annual chance of 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.
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 |
| 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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