Lake County property record for 4543 Center St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 869 sqft · built 1922 |
| Lot Size | 0.112 acres (4,918 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Oct 2020) |
| Tax Bill | $4,249 (2023) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-025-0-00-009-0 |
| Primary APN | 27-A-025-0-00-009-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 869 sqft Living Area |
| 1st Floor Area | 572 sqft |
| Game Room | Game Room |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Historical |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,918 sqft (0.112 acres) |
| Lot Dimensions | 120 ft deep x 41 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | E 171 |
|---|---|
| Street Address | 4543 CENTER ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-5843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 2 TRACT 13 PART OF S/L 12 & 51 |
| Legal Subdivision | SKIFFS SECOND SURVEY |
| Legal Tract | 13 |
| Legal Lot Number | 2 51 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2018 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 4543 CENTER ST, WILLOUGHBY, OH 44094-5843 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Jul 7, 2017 | Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on Record |
| Deed Sale | Oct 15, 2020 · Amount on Record |
| Prior Sale | Jul 7, 2017 · Amount on Record |
| Deed Document Number | 456934 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 15, 2020 |
| Property Address | 4543 CENTER ST, WILLOUGHBY, OH 44094-5843 |
| Document Number | 0000030212 |
| Map Reference | VOL B PG 8 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 2020R030212 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6000 PARKLAND BLVD, CLEVELAND, OH 44124-6120 |
| Document Number | 0000030213 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020R030213 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 7, 2017 |
| Property Address | 4543 CENTER ST, WILLOUGHBY, OH 44094-5843 |
| Document Number | 0000017712 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 2017R017712 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4543 CENTER ST, WILLOUGHBY, OH 44094-5843 |
| Document Number | 0000017713 |
|---|---|
| Date | Jul 7, 2017 |
| Instrument | 2017R017713 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
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 | $4,249.00 (+53.39%) Homeowner's exemption | $44,880 (-) Land $10,990 Building $33,890 | |
| 2022 | $2,770.00 Homeowner's exemption | $44,880 Land $10,990 Building $33,890 | |
| 2021 | $128,220 Land $31,400 Building $96,820 |
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.
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 |
|---|---|
| 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 | Not rated no burnable land within 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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