4323 River St, Willoughby, OH 44094 Property Records

Lake County property record for 4323 River St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	6 bd · 1.5 ba · 984 sqft · built 1873
Lot Size	0.246 acres (10,711 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jul 2012)
Tax Bill	$5,496 (2023)
Deeds & Mortgages	Dec 2022 Transfer Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-A-026-D-00-046-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-D-00-046-0`
Alternative APN	`D 26`

Interior

Bedrooms	6 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	984 sqft Living Area
Gross Area	1,082 sqft
1st Floor Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1873
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,711 sqft (0.246 acres)
Lot Dimensions	210 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4323 RIVER ST
City	WILLOUGHBY
State	OH
Zip	44094-7814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-MFL
Legal Description	LOT 1, 30 & 31 TRACT 13
Legal Subdivision	MERCHANTS SURV
Legal Tract	13
Legal Block	2
Legal Lot Number	1,30
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2005
Census Tract	201400

Owner

4323 River St is owned and occupied by an individual who bought it in July 2012.

Source: Lake County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	4323 RIVER ST, WILLOUGHBY, OH 44094-7814
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Correction Deed FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Mar 15, 2022	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2012 · Amount on File
Deed Sale	Jul 10, 2012 · Amount on File
Prior Sale	Sep 23, 2011 · Amount on File
Deed Document Number	201218425
Prior Transfer Date	Jul 5, 2000
Prior Transfer Doc	0000024893
Record Updated	Oct 29, 2026

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE OH
Recording Date	Dec 15, 2022
Property Address	4323 RIVER ST, WILLOUGHBY, OH 44094-7814
Document Number	0000032828
Instrument Date	Dec 1, 2022
Instrument	2022R032828
Record Updated	Jan 18, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	4323 RIVER ST, WILLOUGHBY, OH 44094-7814
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4323 RIVER ST, WILLOUGHBY, OH 44094-7814

Mortgage

Document Number	0000007700
Date	Mar 15, 2022
Instrument	2022R007700

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	245 Months
Due	Aug 1, 2042

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$80,400 Land $18,420 Building $61,980	$229,710 Land $52,630 Building $177,080
2023	$5,496.00 (+10.67%) Homeowner's exemption	$58,050 (-) Land $15,170 Building $42,880
2022	$4,966.00	$58,050 Land $15,170 Building $42,880
2021			$165,830 Land $43,330 Building $122,500

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.

Flood

FEMA maps place 4323 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1978–2017)
Most Recent Claim	May 2017 · other causes

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

Wildfire risk around 4323 River St 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 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 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

Cell Coverage

5G (outdoors only) and 4G LTE

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