4371 River St, Willoughby, OH 44094 Property Records

Lake County property record for 4371 River St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 616 sqft · built 1921
Lot Size	0.172 acres (7,471 sqft)
Owner	Company Name on Record
Last Sale	$43,500 (Aug 2019)
Tax Bill	$3,692 (2023)
Deeds & Mortgages	Nov 2022 Transfer Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-026-D-00-053-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-D-00-053-0`
Alternative APN	`D 33`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	616 sqft Living Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,471 sqft (0.172 acres)
Lot Dimensions	90 ft deep x 83 ft wide
Deck Area	100 sqft
Patio Area	100 sqft
Utility Building	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4371 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 SURVEY
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

Source: Lake County records, as of December 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4371 RIVER ST, WILLOUGHBY, OH 44094-7814
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL CU INC
Mar 3, 2020	Deed of Trust, Mortgage · Line of Credit CARDINAL CU
Aug 22, 2019	Warranty Deed, Transfer NOVA TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on Record
Deed Sale	Aug 22, 2019 · Amount on Record
Prior Sale	Jan 11, 2012 · Amount on Record
Deed Document Number	201919902
Last Transfer Date	Nov 10, 2022
Transfer Doc	0000031212
Record Updated	Sep 20, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Nov 23, 2022
Property Address	4371 RIVER ST, WILLOUGHBY, OH 44094-7814
Document Number	0000031212
Instrument Date	Nov 10, 2022
Instrument	2022R031212
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4371 RIVER ST, WILLOUGHBY, OH 44094-7814

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	4371 RIVER ST, WILLOUGHBY, OH 44094-7814
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	LAKE COUNTY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007633
Date	Mar 5, 2021
Instrument	2021R007633

Lender

Name	CARDINAL CU INC
Type	Credit Union
Address	MENTOR, OH 44060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	4371 RIVER ST, WILLOUGHBY, OH 44094-7814
Document Number	0000006110
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4371 RIVER ST WILLOUGHBY OH 440947814, WILLOUGHBY, OH 44094-7814

Mortgage

Document Number	0000006110
Date	Mar 9, 2020
Instrument	6110

Lender

Name	CARDINAL CU
Address	MENTOR, OH 44060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 8, 2040

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Aug 22, 2019
Property Address	4371 RIVER ST, WILLOUGHBY, OH 44094-7814
Document Number	0000019902
Instrument Date	Aug 16, 2019
Instrument	19902
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOVA TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$174.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4371 RIVER ST WILLOUGHBY OH 440947814, WILLOUGHBY, OH 44094-7814

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		$56,060 (+43.74%) Land $14,500 Building $41,560	$160,180 (+43.78%) Land $41,430 Building $118,750
2023	$3,692.00 (+53%) Homeowner's exemption	$39,000 (-) Land $11,970 Building $27,030
2022	$2,413.00 Homeowner's exemption	$39,000 Land $11,970 Building $27,030
2021			$111,410 Land $34,190 Building $77,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 100 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

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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