Lake County property record for 4432 River St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 926 sqft · built 1930 |
| Lot Size | 0.208 acres (9,074 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $71,000 (Oct 2009) |
| Tax Bill | $4,518 (2023) |
| Deeds & Mortgages | Oct 2019 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-026-A-00-031-0 |
| Primary APN | 27-A-026-A-00-031-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 926 sqft Living Area |
| 1st Floor Area | 926 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,074 sqft (0.208 acres) |
| Lot Dimensions | 165 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | D 46 |
|---|---|
| Street Address | 4432 RIVER ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 2 TRACT 13 PART OF S/L 26 & 27 |
| Legal Subdivision | SORTER SURVEY |
| Legal Tract | 13 |
| Legal Lot Number | 2 27 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 201400 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 7633 CHAPIN FALLS LN, KIRTLAND, OH 44094-9765 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2009 · Amount on Record |
| Deed Sale | Oct 22, 2009 · Amount on Record |
| Prior Sale | Oct 22, 2009 · Amount on Record |
| Deed Document Number | 0000027616 |
| Last Transfer Date | Nov 27, 2012 |
| Transfer Doc | 0000032691 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4432 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025023 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 2019R025023 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,518.00 (+50.05%) Homeowner's exemption | $47,720 (-) Land $14,490 Building $33,230 | |
| 2022 | $3,011.00 | $47,720 Land $14,490 Building $33,230 | |
| 2021 | $136,330 Land $41,390 Building $94,940 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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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