Lake County property record for 4831 Willoughcroft Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,163 sqft · built 1951 |
| Lot Size | 0.221 acres (9,627 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Jun 2020) |
| Tax Bill | $10,219 (2023) |
| Deeds & Mortgages | Jun 2023 Mortgage Feb 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-018-J-00-029-0 |
| Primary APN | 27-A-018-J-00-029-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,163 sqft Living Area |
| Gross Area | 3,318 sqft |
| 1st Floor Area | 981 sqft |
| Attic Area | 462 sqft |
| Basement Area | 45 sqft |
| Unfinished Basement | 45 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,627 sqft (0.221 acres) |
| Lot Dimensions | 175 ft deep x 55 ft wide |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 202 sqft |
| Deck Area | 625 sqft |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 23 |
|---|---|
| Street Address | 4831 WILLOUGHCROFT RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-5705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 3 TRACT 13 |
| Legal Subdivision | ERIE SUBDIVISION |
| Legal Tract | 13 |
| Legal Lot Number | 21 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 201400 |
4831 Willoughcroft Rd is owned and occupied by two individuals who bought it in June 2020.
Source: Lake County records, as of April 25, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4831 WILLOUGHCROFT RD, WILLOUGHBY, OH 44094-5705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2023 | Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND |
| Feb 7, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 8, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jun 30, 2020 | Warranty Deed, Transfer GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Jun 16, 2020 | Quit Claim Deed, Transfer GUARDIAN TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on File |
| Deed Sale | Jun 30, 2020 · Amount on File |
| Prior Sale | Jun 16, 2020 |
| Deed Document Number | 453798 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4831 WILLOUGHCROFT RD, WILLOUGHBY, OH 44094-5705 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2023 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|
| Document Number | 0000010255 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 2023R010255 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.84% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.84% |
| Max Rate At Change | 7.84% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4831 WILLOUGHCROFT RD, WILLOUGHBY, OH 44094-5705 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000002134 |
|---|---|
| Date | Feb 7, 2023 |
| Instrument | 2023R002134 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 23, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4831 WILLOUGHCROFT RD, WILLOUGHBY, OH 44094-5705 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004426 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 2021R004426 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 11, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 30, 2020 |
| Property Address | 4831 WILLOUGHCROFT RD, WILLOUGHBY, OH 44094-5705 |
| Document Number | 0000017342 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 17342 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2020 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Tax | $1,180.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4831 WILLOUGHCROFT RD WILLOUGHBY OH 440945705, WILLOUGHBY, OH 44094-5705 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 16, 2020 |
| Property Address | 4831 WILLOUGHCROFT RD, WILLOUGHBY, OH 44094-5705 |
| Document Number | 0000015697 |
| Instrument Date | Jun 11, 2020 |
| Instrument | 15697 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2020 |
| Title Company | GUARDIAN TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10830 COPPERLEAF DR CHARDON OH 440248926, CHARDON, OH 44024-8926 |
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 | $10,219.00 (+65.79%) Homeowner's exemption | $107,940 (+10.46%) Land $14,830 Building $93,110 | |
| 2022 | $6,164.00 | $97,720 Land $14,830 Building $82,890 | |
| 2021 | $308,400 Land $42,380 Building $266,020 |
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.
FEMA maps place 4831 Willoughcroft Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.
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.
The area around 4831 Willoughcroft Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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 438 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 · 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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