Lake County property record for 4278 Murray Ave, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 616 sqft · built 1920 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $299,900 (Mar 2026) |
| Tax Bill | $5,870 (2023) |
| Deeds & Mortgages | Jul 2022 Line of Credit Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-023-H-00-013-0 |
| Primary APN | 27-A-023-H-00-013-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 616 sqft Living Area |
| 1st Floor Area | 600 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Old Style |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | Deck Area |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4278 MURRAY AVE |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 1 & 2 TRACT 13 |
| Legal Subdivision | ORCHARD PARK ALLOTMENT NO. 2 |
| Legal Tract | 13 |
| Legal Block | 1 |
| Legal Lot Number | 216 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 201400 |
4278 Murray Ave is owned and occupied by two individuals who bought it in March 2026.
Source: Lake County records, as of July 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4278 MURRAY AVE, WILLOUGHBY, OH 44094-6005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 8, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINS AND LOAN ASSOCIATIO |
| Mar 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage SOFI BANK NA |
| Oct 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage FEDERAL S&L ASSN/CLEVELAND |
| Dec 11, 2018 | Warranty Deed, Transfer · FHA Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on File |
| Deed Sale | Mar 27, 2026 · Amount on File |
| Prior Sale | Oct 30, 2019 · Amount on File |
| Deed Document Number | 20266153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4278 MURRAY AVE, WILLOUGHBY, OH 44094-6005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000019110 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 2022R019110 |
| Name | THIRD FEDERAL SAVINS AND LOAN ASSOCIATIO |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 27, 2026 |
| Property Address | 4278 MURRAY AVE, WILLOUGHBY, OH 44094-6005 |
| Document Number | 0000006153 |
| Map Reference | VOL F PG 27&28 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 2026R006153 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2026 |
| Title Company | RIT COAST TITLE, TRI COAST TITLE |
| Amount | Amount on Record |
|---|---|
| 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 | 4278 MURRAY AVE, WILLOUGHBY, OH 44094-6005 |
| Document Number | 0000006154 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 2026R006154 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 30, 2019 |
| Property Address | 4278 MURRAY AVE, WILLOUGHBY, OH 44094-6005 |
| Document Number | 0000026781 |
| Instrument Date | Oct 26, 2019 |
| Instrument | 26781 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $860.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4278 MURRAY AVE WAITE HILL OH 440946005, WAITE HILL, OH 44094-6005 |
| Document Number | 26782 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 26782 |
| Name | FEDERAL S&L ASSN/CLEVELAND |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 11, 2018 |
| Property Address | 4278 MURRAY AVE, WILLOUGHBY, OH 44094-6005 |
| Document Number | 0000031320 |
| Map Reference | VOL F PG27&28 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 2018R031320 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 | 6000 PORTLAND BLVD, DIAMOND, OH 44412 |
| Document Number | 0000031321 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018R031321 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $78,000 Land $16,250 Building $61,750 | $222,870 Land $46,440 Building $176,430 | |
| 2023 | $5,870.00 (+60.25%) Homeowner's exemption | $62,000 (+4.1%) Land $13,380 Building $48,620 | |
| 2022 | $3,663.00 Homeowner's exemption | $59,560 Land $13,380 Building $46,180 | |
| 2021 | $177,140 Land $38,230 Building $138,910 |
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 4278 Murray Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4278 Murray Ave 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 99.1% of the US · lower than 96% 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 328 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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