Lake County property record for 3901 Harvard Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 1957 |
| Lot Size | 0.183 acres (7,980 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $109,900 (Oct 2014) |
| Tax Bill | $4,711 (2023) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Sep 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-033-D-00-010-0 |
| Primary APN | 27-B-033-D-00-010-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,980 sqft (0.183 acres) |
| Lot Dimensions | 133 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 20 sqft |
| Patio Area | 591 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 79 |
|---|---|
| Street Address | 3901 HARVARD DR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6331 |
| 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 | 36 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1023 |
| 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 | Owner Name on Record |
|---|---|
| Mailing Address | 3901 HARVARD DR, WILLOUGHBY, OH 44094-6331 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 5, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARDINAL CU INC |
| Sep 6, 2023 | Deed of Trust, Mortgage · Line of Credit CARDINAL CU INC |
| Jun 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2014 · Amount on Record |
| Deed Sale | Oct 28, 2014 · Amount on Record |
| Prior Sale | Dec 7, 2010 |
| Deed Document Number | 3539 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3901 HARVARD DR, WILLOUGHBY, OH 44094-6331 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000004393 |
|---|---|
| Date | Mar 5, 2026 |
| Instrument | 2026R004393 |
| Name | CARDINAL CU INC |
|---|---|
| Type | Credit Union |
| Address | MENTOR, OH 44060 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 2, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3901 HARVARD DR, WILLOUGHBY, OH 44094-6331 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000017641 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 2023R017641 |
| Name | CARDINAL CU INC |
|---|---|
| Type | Credit Union |
| Address | MENTOR, OH 44060 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 25, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3901 HARVARD DR, WILLOUGHBY, OH 44094-6331 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000018500 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021R018500 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 281 Months |
| Due | Nov 1, 2044 |
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 | $4,711.00 (+53.6%) Homeowner's exemption | $49,760 (-) Land $13,340 Building $36,420 | |
| 2022 | $3,067.00 Homeowner's exemption | $49,760 Land $13,340 Building $36,420 | |
| 2021 | $142,160 Land $38,100 Building $104,060 |
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.
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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