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4540 River St, Willoughby, OH 44094 Property Records

Lake County property record for 4540 River St, Willoughby, OH 44094 · Last verified May 2024

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,952 sqft · built 1890
Lot Size0.214 acres (9,348 sqft)
OwnerOwner Name on File
Last Sale$136,820 (Aug 2003)
Tax Bill$6,215 (2023)
Deeds & MortgagesFeb 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN27-A-026-B-00-008-0

Property Details

APN / Parcel Number

Primary APN27-A-026-B-00-008-0
Alternative APN
  • E 54

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms9 Rooms
Stories2 Stories
Building Area1,952 sqft Living Area
1st Floor Area936 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1970
Architectural StyleColonial
Exterior MaterialCombination
Lot Area9,348 sqft (0.214 acres)
Lot Dimensions170 ft deep x 55 ft wide
Garage TypeDetached
Garage Area560 sqft
Parking Spaces2 Parking Spaces
PorchEnclosed Porch
Porch Area216 sqft
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account NumberE 54
Street Address4540 RIVER ST
CityWILLOUGHBY
StateOH
Zip44094-7839
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 2 TRACT 13
Legal SubdivisionCITY/WILLOUGHBY 13
Legal Tract13
Legal Lot Number2
JurisdictionLAKE OH
Township / Civil DivisionWILLOUGHBY
Census Block Group2
Census Block2017
Census Tract201400

Owner

Source: Lake County records · APN 27-A-026-B-00-008-0

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 RecordOwner Name on File
Mailing Address4540 RIVER ST, WILLOUGHBY, OH 44094-7839
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 15, 2003 · Amount on Record
Deed SaleAug 15, 2003 · Amount on Record
Deed Document Number3492
Record UpdatedJun 07, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE OH
Property Address4540 RIVER ST, WILLOUGHBY, OH 44094-7839
Transaction TypeMortgage
Record UpdatedAug 25, 2022
Title CompanyPROGRESSIVE LAND TITLE AGENC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000004497
DateFeb 26, 2018
Instrument2018R004497
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2048

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024

Property Jurisdictions

TypeName
StateOhio
CountyLake County
MunicipalityWilloughby City
Unified School DistrictWilloughby-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.

YearTax BillAssessed ValueAssessed Market Value
2023$6,215.00 (+50.59%) Homeowner's exemption$65,650 (-) Land $14,710 Building $50,940
2022$4,127.00$65,650 Land $14,710 Building $50,940
2021$187,570 Land $42,020 Building $145,550

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852014002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies5 in force
Nearby Flood Claims5 (1978–2017)
Most Recent ClaimMay 2017, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 318 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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