Lake County property record for 4397 Center St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,980 sqft · built 1900 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,500 (Jun 2016) |
| Tax Bill | $6,308 (2023) |
| Deeds & Mortgages | Apr 2024 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-025-0-00-029-0 |
| Primary APN | 27-A-025-0-00-029-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,980 sqft Living Area |
| Gross Area | 2,316 sqft |
| 1st Floor Area | 684 sqft |
| Basement Area | 336 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,802 sqft (0.179 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 361 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
| Porch Area | 303 sqft |
| Deck Area | 223 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4397 CENTER ST |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-5879 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 2 TRACT 13 PART OF S/L 15 & 16 |
| Legal Subdivision | SORTER SURVEY |
| Legal Tract | 13 |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 201400 |
4397 Center St is owned and occupied by two individuals who bought it in June 2016.
Source: Lake County records, as of June 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4397 CENTER ST, WILLOUGHBY, OH 44094-5879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 25, 2024 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2016 · Amount on File |
| Deed Sale | Jun 22, 2016 · Amount on File |
| Prior Sale | Mar 19, 2013 · Amount on File |
| Deed Document Number | 201615823 |
| Prior Transfer Date | Feb 15, 2013 |
| Prior Transfer Doc | 0000007715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4397 CENTER ST, WILLOUGHBY, OH 44094-5879 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000007734 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 2024R007734 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4397 CENTER ST, WILLOUGHBY, OH 44094-5879 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | KINGDOM TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000011524 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 2021R011524 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4397 CENTER ST, WILLOUGHBY, OH 44094-5879 |
| Document Number | 0000028711 |
| Instrument Date | Nov 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4397 CENTER ST WILLOUGHBY OH 440945879, WILLOUGHBY, OH 44094-5879 |
| Document Number | 0000028711 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 28711 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 20, 2034 |
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 | $107,230 Land $15,790 Building $91,440 | $306,350 Land $45,100 Building $261,250 | |
| 2023 | $6,308.00 (+54.12%) Homeowner's exemption | $66,630 (-) Land $13,010 Building $53,620 | |
| 2022 | $4,093.00 Homeowner's exemption | $66,630 Land $13,010 Building $53,620 | |
| 2021 | $190,370 Land $37,170 Building $153,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4397 Center St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.
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 | 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.
The area around 4397 Center St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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 |
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