Lake County property record for 4490 River St, Willoughby, OH 44094 · Last verified May 2024
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2000 |
| Square Footage | 2,192 sqft Living Area |
| Lot Size | 9,901 sqft (0.227 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2018) |
| Tax Bill | $8,998.00 (2023) |
| Primary APN | 27-A-026-A-00-038-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Building Area | 2,192 sqft Living Area |
| 1st Floor | 1,040 sqft 1st Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 9,901 sqft (0.227 acres) |
| Depth X Width | 165 ft x 60 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 676 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 120 sqft Shed |
| Deck Area | 121 sqft Deck |
| Patio Area | 121 sqft Patio |
| Porch | Open Porch |
| Porch Area | 194 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | D 40 |
|---|---|
| Street Address | 4490 RIVER ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7838 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 2 TRACT 13 |
| Legal Subdivision | SORTER SURVEY |
| Legal Tract | 13 |
| Legal Lot Number | 32 |
| Jurisdiction | LAKE OH |
| Minor Civil Division | WILLOUGHBY |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 201400 |
Source: Lake County records · APN 27-A-026-A-00-038-0
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 | 4490 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION |
| Apr 05, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 05, 2018 · Amount on Record |
| Deed Sale | Apr 05, 2018 · Amount on Record |
| Prior Sale | Feb 17, 2009 |
| Deed Doc Number | 1060 |
| Record Refreshed | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4490 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000003053 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 2022R003053 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 05, 2018 |
| Property Address | 4490 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000008070 |
| Instrument Date | Apr 03, 2018 |
| Instrument | 8070 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2018 |
| Title Company | GUARDIAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,086.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4490 RIVER ST WILLOUGHBY OH 440947838, WILLOUGHBY, OH 44094-7838 |
| Document Number | 8071 |
|---|---|
| Date | Apr 05, 2018 |
| Instrument | 8071 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 04, 2048 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
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 | $8,998.00 (+54.6%) Homeowner's exemption | $95,040 (-) Land $14,720 Building $80,320 | |
| 2022 | $5,820.00 Homeowner's exemption | $95,040 Land $14,720 Building $80,320 | |
| 2021 | $271,560 Land $42,070 Building $229,490 |
4490 River St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Lake County (39085C), updated December 14, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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