Lake County property record for 4496 River St, Willoughby, OH 44094 · Last verified May 2024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,595 sqft · built 1930 |
| Lot Size | 0.227 acres (9,901 sqft) |
| Owner | Individual Name on File |
| Last Sale | $399,000 (Aug 2021) |
| Tax Bill | $7,820 (2023) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jan 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-026-A-00-039-0 |
| Primary APN | 27-A-026-A-00-039-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,595 sqft Living Area |
| Gross Area | 3,064 sqft |
| 1st Floor Area | 782 sqft |
| Basement Area | 469 sqft |
| Unfinished Basement | 469 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Historical |
| Exterior Material | Combination |
| Lot Area | 9,901 sqft (0.227 acres) |
| Lot Dimensions | 165 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 194 sqft |
| Deck Area | 40 sqft |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | D 39 |
|---|---|
| Street Address | 4496 RIVER ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 TRACT 13 |
| Legal Subdivision | SORTER SURVEY |
| Legal Tract | 13 |
| Legal Lot Number | 33 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 201400 |
Source: Lake County records · APN 27-A-026-A-00-039-0
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4496 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 18, 2020 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Sep 21, 2018 | Deed of Trust, Mortgage · Line of Credit FEDERAL S&L ASSN/CLEVELAND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 10, 2021 · Amount on Record |
| Deed Sale | Aug 10, 2021 · Amount on Record |
| Prior Sale | Feb 06, 2007 · Amount on Record |
| Deed Document Number | 464939 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 10, 2021 |
| Property Address | 4496 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000027657 |
| Map Reference | VOL A PG 49 |
| Instrument Date | Aug 09, 2021 |
| Instrument | 2021R027657 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4496 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000027658 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 2021R027658 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4496 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000002353 |
| Instrument Date | Jan 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2020 |
| Title Company | THIRD CAPITAL TITLE, THIRD CAP TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4496 RIVER ST WILLOUGHBY OH 440947838, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000002353 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 2353 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4496 RIVER ST, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000025083 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4496 RIVER ST WILLOUGHBY OH 440947838, WILLOUGHBY, OH 44094-7838 |
| Document Number | 0000025083 |
|---|---|
| Date | Oct 01, 2018 |
| Instrument | 25083 |
| Name | FEDERAL S&L ASSN/CLEVELAND |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 30, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.54% |
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 | $7,820.00 (+54.42%) Homeowner's exemption | $82,600 (-) Land $14,720 Building $67,880 | |
| 2022 | $5,064.00 Homeowner's exemption | $82,600 Land $14,720 Building $67,880 | |
| 2021 | $236,010 Land $42,070 Building $193,940 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
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