Lake County property record for 4566 River St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,132 sqft · built 1900 |
| Lot Size | 0.429 acres (18,696 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $430,000 (Jun 2026) |
| Tax Bill | $6,035 (2023) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-026-B-00-012-0 |
| Primary APN | 27-A-026-B-00-012-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,132 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Family Room | Family Room |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,696 sqft (0.429 acres) |
| Lot Dimensions | 328 ft deep x 57 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 448 sqft |
| Deck Area | Deck Area |
| Patio Area | 15 sqft |
| Lean-To | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4566 RIVER ST |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 2 TRACT 13 |
| Legal Tract | 13 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 201400 |
Source: Lake County records, as of July 7, 2026
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 | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Dec 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on Record |
| Deed Sale | Jun 26, 2026 · Amount on Record |
| Prior Sale | Mar 3, 2014 · Amount on Record |
| Deed Document Number | 202613958 |
| Prior Transfer Date | Jun 29, 2001 |
| Prior Transfer Doc | 0000027852 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 26, 2026 |
| Property Address | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Document Number | 0000013958 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202613958 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $173,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Document Number | 0000013959, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 202613959 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Document Number | 0000020640 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 2025R020640 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Document Number | 0000017809 |
| Instrument Date | Jun 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4566 RIVER ST WILLOUGHBY HILLS OH 440947839, WILLOUGHBY HILLS, OH 44094-7839 |
| Document Number | 0000017809 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 17809 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 5, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4566 RIVER ST, WILLOUGHBY, OH 44094-7839 |
| Document Number | 0000032218 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4566 RIVER ST WILLOUGHBY OH 440947839, WILLOUGHBY, OH 44094-7839 |
| Document Number | 0000032218 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 32218 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 29, 2034 |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | Homeowner's exemption | $84,240 (+32.14%) Land $20,340 Building $63,900 | $240,670 (+32.14%) Land $58,100 Building $182,570 |
| 2023 | $6,035.00 (+54.03%) Homeowner's exemption | $63,750 (-) Land $16,280 Building $47,470 | |
| 2022 | $3,918.00 Homeowner's exemption | $63,750 Land $16,280 Building $47,470 | |
| 2021 | $182,130 Land $46,510 Building $135,620 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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