4431 Summit St, Willoughby, OH 44094 Property Records

Lake County property record for 4431 Summit St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,085 sqft · built 1940
Lot Size	0.246 acres (10,724 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Apr 2022)
Tax Bill	$4,776 (2023)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-A-026-A-00-054-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-A-00-054-0`
Alternative APN	`D 176`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,085 sqft Living Area
1st Floor Area	488 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Lot Area	10,724 sqft (0.246 acres)
Lot Dimensions	165 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	384 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	D 176
Street Address	4431 SUMMIT ST
City	WILLOUGHBY
State	OH
Zip	44094-7822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 2 TRACT 13
Legal Subdivision	SORTER SURVEY
Legal Tract	13
Legal Lot Number	37
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201400

Owner

Source: Lake County records · APN 27-A-026-A-00-054-0

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	Individual Name on File
Mailing Address	4431 SUMMIT ST, WILLOUGHBY, OH 44094-7822
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Deed Document Number	471716
Record Updated	Jun 07, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Apr 12, 2022
Property Address	4431 SUMMIT ST, WILLOUGHBY, OH 44094-7822
Document Number	0000010692
Map Reference	VOL A PG 49
Instrument Date	Apr 11, 2022
Instrument	2022R010692
Transaction Type	Transfer
Record Updated	Jun 02, 2026
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4431 SUMMIT ST, WILLOUGHBY, OH 44094-7822

Mortgage

Document Number	0000010693
Date	Apr 12, 2022
Instrument	2022R010693

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,776.00 (+53.62%) Homeowner's exemption	$50,450 (-) Land $14,960 Building $35,490
2022	$3,109.00 Homeowner's exemption	$50,450 Land $14,960 Building $35,490
2021			$144,160 Land $42,750 Building $101,410

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 318 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.