3895 Arcadia Cir, Willoughby, OH 44094 Property Records

Lake County property record for 3895 Arcadia Cir, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,170 sqft · built 2012
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on File
Last Sale	$210,590 (Feb 2012)
Tax Bill	$10,606 (2023)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-A-032-H-00-028-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-032-H-00-028-0`
Alternative APN	`A 1`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	828 sqft
Basement Area	322 sqft
Unfinished Basement	322 sqft

Exterior

Year Built	Built 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	11,021 sqft (0.253 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	A 1
Street Address	3895 ARCADIA CIR
City	WILLOUGHBY
State	OH
Zip	44094-7878
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 Lot Number	28
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2008
Census Tract	201500

Owner

3895 Arcadia Cir is owned and occupied by an individual who bought it in February 2012.

Source: Lake County records, as of April 25, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3895 ARCADIA CIR, WILLOUGHBY, OH 44094-7878
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2012 · Amount on File
Deed Sale	Feb 2, 2012 · Amount on File
Prior Sale	Nov 10, 2011 · Amount on File
Deed Document Number	249
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	3895 ARCADIA CIR, WILLOUGHBY, OH 44094-7878
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010650
Date	Apr 29, 2020
Instrument	2020R010650

Lender

Name	WESTFIELD BANK FSB
Type	Bank
Address	WESTFIELD CENTER, OH 44251

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,606.00 (+67.6%) Homeowner's exemption Senior Citizen's exemption	$112,020 (-) Land $24,440 Building $87,580
2022	$6,328.00 Homeowner's exemption Senior Citizen's exemption	$112,020 Land $24,440 Building $87,580
2021			$320,060 Land $69,830 Building $250,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3895 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

Wildfire risk around 3895 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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