Lake County property record for 4628 River St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,242 sqft · built 2000 |
| Lot Size | 0.507 acres (22,102 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $164,000 (Nov 2000) |
| Tax Bill | $10,585 (2023) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-026-B-00-018-0 |
| Primary APN | 27-A-026-B-00-018-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,242 sqft Living Area |
| Gross Area | 3,268 sqft |
| 1st Floor Area | 738 sqft |
| Attic Area | 260 sqft |
| Basement Area | 766 sqft |
| Unfinished Basement | 766 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,102 sqft (0.507 acres) |
| Lot Dimensions | 307 ft deep x 72 ft wide |
| Garage Area | 557 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 319 sqft |
| Patio Area | 319 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | E 43 |
|---|---|
| Street Address | 4628 RIVER ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 2 TRACT 13 |
| Legal Subdivision | MERCHANTS SURV |
| Legal Tract | 13 |
| Legal Lot Number | 2 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 201400 |
The current owner of 4628 River St bought it in November 2000.
Source: Lake County records, as of April 25, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4628 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 7, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2000 · Amount on File |
| Deed Sale | Nov 15, 2000 · Amount on File |
| Prior Sale | Jan 12, 2000 |
| Deed Document Number | 4355 |
| Deed Book / Page | 27 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4628 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000007229 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 2021R007229 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 168 Months |
| Due | Mar 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4628 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000003371 |
| Instrument Date | Feb 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4628 RIVER ST WILLOUGHBY OH 440947819, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000003371 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 3371 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 216 Months |
| Due | Feb 11, 2036 |
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 | $10,585.00 (+46.02%) Homeowner's exemption | $111,800 (-) Land $17,210 Building $94,590 | |
| 2022 | $7,249.00 Homeowner's exemption | $111,800 Land $17,210 Building $94,590 | |
| 2021 | $319,410 Land $49,160 Building $270,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4628 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 4628 River St is low, with less than a 0.01% annual chance of wildfire.
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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