Lake County property record for 4420 St Johns Bluff Ln, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,108 sqft · built 2006 |
| Lot Size | 1.27 acres (55,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,000 (Aug 2005) |
| Tax Bill | $16,214 (2023) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-031-A-00-045-0 |
| Primary APN | 27-A-031-A-00-045-0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Living Area |
| 1st Floor Area | 1,676 sqft |
| Attic | Attic |
| Attic Area | 432 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 55,583 sqft (1.27 acres) |
| Lot Width | 77.9 ft Width |
| Garage Area | 732 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1,035 sqft |
|---|---|
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 698 sqft |
| Deck Area | 192 sqft |
| Patio Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4420 ST JOHNS BLUFF LN |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 TRACT 13 |
| Legal Subdivision | ST. JOHNS BLUFF |
| Legal Tract | 13 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 201500 |
Source: Lake County records, as of August 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4420 ST JOHNS BLUFF LN, WILLOUGHBY, OH 44094-7834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jul 13, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2005 · Amount on Record |
| Deed Sale | Aug 26, 2005 · Amount on Record |
| Deed Document Number | 200536849 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 10, 2026 |
| Property Address | 4420 ST JOHNS BLUFF LN, WILLOUGHBY, OH 44094-7834 |
| Document Number | 0000015152 |
| Instrument Date | Jun 27, 2026 |
| Instrument | 202615152 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4420 ST JOHNS BLUFF LN, WILLOUGHBY, OH 44094-7834 |
| Document Number | 0000015152, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 202615152 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 1, 2051 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4420 ST JOHNS BLUFF LN, WILLOUGHBY, OH 44094-7834 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000018657 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 2020R018657 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 24, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $211,750 (+23.65%) Land $59,880 Building $151,870 | $604,980 (+23.64%) Land $171,080 Building $433,900 | |
| 2023 | $16,214.00 (+54.86%) Homeowner's exemption | $171,250 (-) Land $46,560 Building $124,690 | |
| 2022 | $10,470.00 Homeowner's exemption | $171,250 Land $46,560 Building $124,690 | |
| 2021 | $489,290 Land $133,040 Building $356,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (1979–2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2013 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 81% 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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