Lake County property record for 3894 Harvard Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,755 sqft · built 1969 |
| Lot Size | 0.192 acres (8,398 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $93,000 (May 2013) |
| Tax Bill | $4,482 (2023) |
| Deeds & Mortgages | Jan 2024 Mortgage Jun 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-033-D-00-054-0 |
| Primary APN | 27-B-033-D-00-054-0 |
|---|---|
| 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 | 1,755 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 315 sqft |
| Finished Basement | 315 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,398 sqft (0.192 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 344 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 49 |
|---|---|
| Street Address | 3894 HARVARD DR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 9 CARD TRACT |
| Legal Subdivision | THE HARVARD LAND COMPANY SUBDIVISION |
| Legal Lot Number | 74 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 201500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 24, 2024 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jun 7, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 12, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 1, 2017 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2013 · Amount on Record |
| Deed Sale | May 29, 2013 · Amount on Record |
| Prior Sale | Dec 7, 2010 |
| Deed Document Number | 1438 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000001353 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 2024R001353 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000016170 |
|---|---|
| Date | Jun 7, 2022 |
| Instrument | 2022R016170 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | LOUISVILLE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009945 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 2021R009945 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OHIO REAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000012095 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 2020R012095 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3894 HARVARD DR, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000021724 |
| Instrument Date | Aug 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3894 HARVARD DR WILLOUGHBY OH 440946330, WILLOUGHBY, OH 44094-6330 |
| Document Number | 0000021724 |
|---|---|
| Date | Aug 16, 2017 |
| Instrument | 21724 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2047 |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,482.00 (+37.11%) Homeowner's exemption | $47,340 (-) Land $13,720 Building $33,620 | |
| 2022 | $3,269.00 Homeowner's exemption | $47,340 Land $13,720 Building $33,620 | |
| 2021 | $135,250 Land $39,190 Building $96,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 15 (1989–2014) |
| Most Recent Claim | Jan 2014 · river or lake flooding |
| Claims by Event |
|
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 | 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 530 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 |
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