Lake County property record for 3910 Arcadia Cir, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,247 sqft · built 2008 |
| Lot Size | 0.346 acres (15,072 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $405,000 (May 2023) |
| Tax Bill | $11,258 (2023) |
| Deeds & Mortgages | May 2023 Sale & Line of Credit Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-032-H-00-008-0 |
| Primary APN | 27-A-032-H-00-008-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,247 sqft Living Area |
| 1st Floor Area | 2,247 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,072 sqft (0.346 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 124 sqft |
| Patio Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1 |
|---|---|
| Street Address | 3910 ARCADIA CIR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7876 |
| 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 | 8 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2007 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3910 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2023 | Warranty Deed, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE |
| Mar 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNION CAPITAL MORTGAGE CORP |
| Feb 14, 2018 | Deed of Trust, Mortgage · ARM UNION CAPITAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2023 · Amount on Record |
| Deed Sale | May 9, 2023 · Amount on Record |
| Prior Sale | Nov 14, 2008 · Amount on Record |
| Deed Document Number | 481109 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 9, 2023 |
| Property Address | 3910 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000008543 |
| Map Reference | VOL 55 PG 17 |
| Instrument Date | May 3, 2023 |
| Instrument | 2023R008543 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3910 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Document Number | 0000008544 |
|---|---|
| Date | May 9, 2023 |
| Instrument | 2023R008544 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3910 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006018 |
|---|---|
| Date | Mar 14, 2018 |
| Instrument | 2018R006018 |
| Name | UNION CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MENTOR, OH 44060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 3910 ARCADIA CIR, WILLOUGHBY, OH 44094-7876 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003568 |
|---|---|
| Date | Feb 14, 2018 |
| Instrument | 2018R003568 |
| Name | UNION CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MENTOR, OH 44060 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
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 | $11,258.00 (+54.83%) Homeowner's exemption | $118,910 (-) Land $29,250 Building $89,660 | |
| 2022 | $7,271.00 Homeowner's exemption | $118,910 Land $29,250 Building $89,660 | |
| 2021 | $339,720 Land $83,560 Building $256,160 |
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 |
| 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.
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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