4396 River St, Willoughby, OH 44094 Property Records

Lake County property record for 4396 River St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 958 sqft · built 1900
Lot Size	0.211 acres (9,213 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Jan 2017)
Tax Bill	$4,180 (2023)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-026-D-00-015-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-D-00-015-0`
Alternative APN	`D 49`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	958 sqft Living Area
1st Floor Area	384 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Lot Area	9,213 sqft (0.211 acres)
Lot Dimensions	151 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	933 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	200 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	D 49
Street Address	4396 RIVER ST
City	WILLOUGHBY
State	OH
Zip	44094-7815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-MFL
Legal Description	LOT 2 TRACT 13
Legal Subdivision	SORTER SURVEY
Legal Tract	13
Legal Lot Number	11
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2009
Census Tract	201400

Owner

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
Mailing Address	4396 RIVER ST, WILLOUGHBY, OH 44094-7815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Jan 27, 2017	Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L/CLEVELAND
Jan 23, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2017 · Amount on Record
Deed Sale	Jan 27, 2017 · Amount on Record
Prior Sale	Oct 19, 2011 · Amount on Record
Deed Document Number	252
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	4396 RIVER ST, WILLOUGHBY, OH 44094-7815
Document Number	0000011881
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	THIRD CAPITAL TITLE NEO, THIRD CAP TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4396 RIVER ST WILLOUGHBY OH 440947815, WILLOUGHBY, OH 44094-7815

Mortgage

Document Number	0000011881
Date	May 11, 2020
Instrument	11881

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 10, 2030

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jan 27, 2017
Property Address	4396 RIVER ST, WILLOUGHBY, OH 44094-7815
Document Number	0000002418
Instrument Date	Jan 25, 2017
Instrument	2418
Transaction Type	Transfer
Record Updated	Feb 3, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4396 RIVER ST WILLOUGHBY OH 440947815, WILLOUGHBY, OH 44094-7815

Mortgage

Document Number	2419,
Date	Jan 27, 2017
Instrument	2419

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAKE OH
Recording Date	Jan 23, 2017
Property Address	4396 RIVER ST, WILLOUGHBY, OH 44094-7815
Instrument Date	Jan 9, 2017
Instrument	1966
Transaction Type	Construction Loan
Record Updated	Jan 26, 2017
Title Company	SOUTHWEST FINANCIAL, SOUTHWEST FIN'L SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4396 RIVER ST WILLOUGHBY OH 440947815, WILLOUGHBY, OH 44094-7815

Mortgage

Document Number	0000001966
Date	Jan 23, 2017
Instrument	1966

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 22, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

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
2023	$4,180.00 (+53.34%) Homeowner's exemption	$44,150 (-) Land $14,260 Building $29,890
2022	$2,726.00 Homeowner's exemption	$44,150 Land $14,260 Building $29,890
2021			$126,130 Land $40,730 Building $85,400

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

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

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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