Lake County property record for 38960 Arcadia Cir, Willoughby, OH 44094 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,502 sqft · built 2008 |
| Lot Size | 0.358 acres (15,594 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Mar 2019) |
| Tax Bill | $9,206 (2023) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-032-H-00-013-0 |
| Primary APN | 27-A-032-H-00-013-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,502 sqft Living Area |
| 1st Floor Area | 1,502 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,594 sqft (0.358 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 124 sqft |
| Deck Area | 368 sqft |
| Patio Area | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 38960 ARCADIA CIR |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7886 |
| 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 |
Source: Lake County records · APN 27-A-032-H-00-013-0
Assessment roll updated December 30, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Sep 19, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Mar 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Aug 03, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Mar 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Apr 17, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on Record |
| Deed Sale | Mar 12, 2019 · Amount on Record |
| Prior Sale | Jun 19, 2013 · Amount on Record |
| Deed Document Number | 20194985 |
| Last Transfer Date | Jul 24, 2021 |
| Transfer Doc | 0000026862 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000040014 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 2021R040014 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000025003 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 2017R025003 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MENTOR, OH 44060 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000005474 |
|---|---|
| Date | Mar 02, 2020 |
| Instrument | 2020R005474 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 03, 2021 |
| Property Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Document Number | 0000026862 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Jul 24, 2021 |
| Instrument | 2021R026862 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 12, 2019 |
| Property Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Document Number | 0000004985 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 2019R004985 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Document Number | 0000004986 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 2019R004986 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 17, 2018 |
| Property Address | 38960 ARCADIA CIR, WILLOUGHBY, OH 44094-7886 |
| Document Number | 0000009048 |
| Instrument Date | Apr 05, 2018 |
| Instrument | 9048 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 6577 CAROL STREAM IL 601976577, CAROL STREAM, IL 60197-6577 |
Source: Lake County records · Assessment roll updated December 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $113,890 (+17.12%) Land $37,890 Building $76,000 | $325,400 (+17.13%) Land $108,260 Building $217,140 | |
| 2023 | $9,206.00 (+81.04%) Homeowner's exemption | $97,240 (+17.21%) Land $30,260 Building $66,980 | |
| 2022 | $5,085.00 Homeowner's exemption | $82,960 Land $26,310 Building $56,650 | |
| 2021 | $277,820 Land $86,460 Building $191,360 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852015002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 283 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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