Lake County property record for 38965 Arcadia Cir, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,972 sqft · built 2012 |
| Lot Size | 0.273 acres (11,892 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,120 (Apr 2012) |
| Tax Bill | $10,020 (2023) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-032-H-00-027-0 |
| Primary APN | 27-A-032-H-00-027-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,108 sqft |
| 1st Floor Area | 816 sqft |
| Basement Area | 136 sqft |
| Unfinished Basement | 136 sqft |
| Year Built | Built 2012 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,892 sqft (0.273 acres) |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 320 sqft |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | A 1 |
|---|---|
| Street Address | 38965 ARCADIA CIR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7879 |
| 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 | 27 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 201500 |
38965 Arcadia Cir is owned and occupied by an individual who bought it in April 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 | 38965 ARCADIA CIR, WILLOUGHBY, OH 44094-7879 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2012 · Amount on File |
| Deed Sale | Apr 16, 2012 · Amount on File |
| Deed Document Number | 881 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 38965 ARCADIA CIR, WILLOUGHBY, OH 44094-7879 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 38965 ARCADIA CIR, WILLOUGHBY, OH 44094-7879 |
| Document Number | 0000023736 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023R023736 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 9, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $10,020.00 (+54.7%) Homeowner's exemption | $105,840 (-) Land $25,240 Building $80,600 | |
| 2022 | $6,477.00 Homeowner's exemption | $105,840 Land $25,240 Building $80,600 | |
| 2021 | $302,400 Land $72,120 Building $230,280 |
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 38965 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 38965 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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