Lake County property record for 4812 River St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,201 sqft · built 1940 |
| Lot Size | 0.206 acres (9,008 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Jul 2023) |
| Tax Bill | $6,894 (2023) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-019-B-00-012-0 |
| Primary APN | 27-A-019-B-00-012-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,201 sqft Living Area |
| 1st Floor Area | 726 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Lot Area | 9,008 sqft (0.206 acres) |
| Lot Dimensions | 143 ft deep x 63 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 92 sqft |
| Patio Area | 168 sqft |
| Canopy | 92 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | E 13 |
|---|---|
| Street Address | 4812 RIVER ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 3 TRACT 13 PART OF S/L 77 |
| Legal Subdivision | SMART ALLOTMENT NO.2 |
| Legal Tract | 13 |
| Legal Lot Number | 3 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2019 |
| 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 | 4812 RIVER ST, WILLOUGHBY, OH 44094-7821 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage THIRD FSLA OF CLEVELAND |
| Jul 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SIGNATURE MORTGAGE CORP |
| Sep 24, 2020 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2023 · Amount on Record |
| Deed Sale | Jul 17, 2023 · Amount on Record |
| Prior Sale | Sep 24, 2020 · Amount on Record |
| Deed Document Number | 482668 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 17, 2023 |
| Property Address | 4812 RIVER ST, WILLOUGHBY, OH 44094-7821 |
| Document Number | 0000013540 |
| Map Reference | DOC 2020R027581 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 2023R013540 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| 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 | 7007 BROADWAY AVE, CLEVELAND, OH 44105-1441 |
| Investor | Possibly a Property Investor |
| Document Number | 0000013541 |
|---|---|
| Date | Jul 17, 2023 |
| Instrument | 2023R013541 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4812 RIVER ST, WILLOUGHBY, OH 44094-7821 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000016866 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 2019R016866 |
| Name | SIGNATURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CANTON, OH 44718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 24, 2020 |
| Property Address | 4812 RIVER ST, WILLOUGHBY, OH 44094-7821 |
| Document Number | 0000027581 |
| Map Reference | VOL D PG 72 |
| Instrument Date | Sep 22, 2020 |
| Instrument | 2020R027581 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | ENTERPRISE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| 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 | 4812 RIVER ST, WILLOUGHBY, OH 44094-7821 |
| Document Number | 0000027582 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020R027582 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
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 | $6,894.00 (+54.26%) Homeowner's exemption | $72,820 (-) Land $14,610 Building $58,210 | |
| 2022 | $4,469.00 Homeowner's exemption | $72,820 Land $14,610 Building $58,210 | |
| 2021 | $208,060 Land $41,740 Building $166,320 |
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 |
|---|---|
| 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 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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