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4440 River St, Willoughby, OH 44094 Property Records

Lake County property record for 4440 River St, Willoughby, OH 44094

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 988 sqft · built 1930
Lot Size0.208 acres (9,074 sqft)
OwnerIndividual Name on Record
Last Sale$230,000 (May 2026)
Tax Bill$5,584 (2023)
Deeds & MortgagesMay 2026 Sale
Mar 2024 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN27-A-026-A-00-033-0

Property Details

APN / Parcel Number

Primary APN27-A-026-A-00-033-0
Alternative APN
  • D 45

Interior

Bedrooms2 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area988 sqft Living Area
Gross Area1,108 sqft
1st Floor Area648 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1990
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,074 sqft (0.208 acres)
Lot Dimensions165 ft deep x 55 ft wide
Garage Area430 sqft
Parking Spaces2 Parking Spaces
PorchEnclosed Frame Porch
Porch Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4440 RIVER ST
CityWILLOUGHBY
StateOH
Zip44094-7838
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-60
Legal DescriptionLOT 2 TRACT 13 PART OF S/L 27
Legal SubdivisionSORTER SURVEY
Legal Tract13
Legal Block2
Legal Lot Number2,27
JurisdictionLAKE OH
Township / Civil DivisionWILLOUGHBY
Census Block Group2
Census Block2006
Census Tract201400

Owner

Source: Lake County records, as of June 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address4440 RIVER ST, WILLOUGHBY, OH 44094-7838
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 26, 2026Fiduciary Deed, Transfer
ACCOMMODATION/COURTESY RECORDI
Mar 20, 2024Intrafamily Transfer, Transfer
Sep 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL CU
Oct 24, 2017Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 26, 2026 · Amount on Record
Deed SaleMay 26, 2026 · Amount on Record
Prior SaleOct 24, 2017 · Amount on Record
Deed Document Number202611154
Prior Transfer DateMar 5, 2024
Prior Transfer Doc0000005249
Record UpdatedSep 20, 2026

May 2026: Fiduciary Deed, Transfer

Document TypeFiduciary Deed
JurisdictionLAKE OH
Recording DateMay 26, 2026
Property Address4440 RIVER ST, WILLOUGHBY, OH 44094-7838
Document Number0000011154
Instrument DateMay 21, 2026
Instrument202611154
Transaction TypeTransfer
Record UpdatedJun 4, 2026
Title CompanyACCOMMODATION/COURTESY RECORDI

Transaction

AmountAmount Recorded
Tax$92,920.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

March 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE OH
Recording DateMar 20, 2024
Property Address4440 RIVER ST, WILLOUGHBY, OH 44094-7838
Document Number0000005249
Map ReferenceVOL A PG 48&49
Instrument DateMar 5, 2024
Instrument2024R005249
Transaction TypeTransfer
Record UpdatedApr 26, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address440 E RIVER DR, WILLOUGHBY, OH 44095

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE OH
Property Address4440 RIVER ST, WILLOUGHBY, OH 44094-7838
Document Number0000026438
Instrument DateSep 11, 2020
Transaction TypeMortgage
Record UpdatedOct 7, 2020
Title CompanyENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4440 RIVER ST WILLOUGHBY OH 440947838, WILLOUGHBY, OH 44094-7838

Mortgage

Document Number0000026438
DateSep 16, 2020
Instrument26438
Lender
NameCARDINAL CU
AddressMENTOR, OH 44060
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 15, 2050

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE OH
Recording DateOct 24, 2017
Property Address4440 RIVER ST, WILLOUGHBY, OH 44094-7838
Document Number0000028768
Map ReferenceVOL A PG48&49
Instrument DateOct 19, 2017
Instrument2017R028768
Transaction TypeTransfer
Record UpdatedMay 17, 2021
Title CompanyENTERPRISE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address4440 RIVER ST, WILLOUGHBY, OH 44094-7838

Mortgage

Document Number0000028769
DateOct 24, 2017
Instrument2017R028769
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

Property Jurisdictions

TypeName
StateOhio
CountyLake County
MunicipalityWilloughby City
Unified School DistrictWilloughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$68,070 (+15.41%) Land $17,590 Building $50,480$194,500 (+15.44%) Land $50,260 Building $144,240
2023$5,584.00 (+53.96%) Homeowner's exemption$58,980 (-) Land $14,490 Building $44,490
2022$3,627.00 Homeowner's exemption$58,980 Land $14,490 Building $44,490
2021$168,490 Land $41,390 Building $127,100

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.

Flood

Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims5 (1978–2017)
Most Recent ClaimMay 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 96% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLAKE COUNTY WEST WATER SUBDISTRICT
serves 78,379 people · EPA ID OH4302411
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

ProviderMax 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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