4430 Summit St, Willoughby, OH 44094 Property Records

Lake County property record for 4430 Summit St, Willoughby, OH 44094 · Last verified May 2024

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,792 sqft · built 1940
Lot Size	0.29 acres (12,663 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,693 (2023)
Deeds & Mortgages	Jan 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-A-026-A-00-001-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-A-00-001-0`
Alternative APN	`D 174`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	630 sqft
Basement Area	224 sqft
Unfinished Basement	224 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Architectural Style	Historical
Exterior Material	Wood Siding
Foundation Type	Raised
Lot Area	12,663 sqft (0.29 acres)
Lot Dimensions	189 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	231 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	D 174
Street Address	4430 SUMMIT ST
City	WILLOUGHBY
State	OH
Zip	44094-7823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 TRACT 13
Legal Subdivision	STORM SURVEY
Legal Tract	13
Legal Lot Number	42
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2016
Census Tract	201400

Owner

Source: Lake County records · APN 27-A-026-A-00-001-0

Assessment roll updated August 1, 2023 · Last verified May 2024

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 File
Mailing Address	4430 SUMMIT ST, WILLOUGHBY, OH 44094-7823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 1985
Deed Sale	Apr 01, 1985
Record Updated	Jun 07, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	4430 SUMMIT ST, WILLOUGHBY, OH 44094-7823
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001290
Date	Jan 23, 2024
Instrument	2024R001290

Lender

Name	FIREFIGHTERS COMMUNITY CU INC
Type	Credit Union
Address	CLEVELAND, OH 44125

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 05, 2029

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,693.00 (+75.39%) Homeowner's exemption Senior Citizen's exemption	$70,700 (-) Land $15,580 Building $55,120
2022	$3,816.00 Homeowner's exemption Senior Citizen's exemption	$70,700 Land $15,580 Building $55,120
2021			$201,990 Land $44,510 Building $157,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852014002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 5 individual NFIP policies nearby
Nearby Flood Policies	5 in force 5 of 5 on primary residences
Nearby Flood Claims	5 (1978–2017)
Most Recent Claim	May 2017, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.