5390 Harmony Ln, Willoughby, OH 44094 Property Records

Lake County property record for 5390 Harmony Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,072 sqft · built 1954
Lot Size	0.22 acres (9,601 sqft)
Owner	Owner Name on Record
Tax Bill	$5,886 (2023)
Deeds & Mortgages	Apr 2019 Loan Modification Dec 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`27-A-007-C-00-027-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-007-C-00-027-0`
Alternative APN	`D 32`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	999 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	160 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	45 sqft
Patio Area	165 sqft
Balcony	Balcony
Balcony Area	74 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	D 32
Street Address	5390 HARMONY LN
City	WILLOUGHBY
State	OH
Zip	44094-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 2, 3, 4 & TRACT 10 & 14
Legal Subdivision	RIDGE ACRES ESTATES
Legal Tract	10,14
Legal Lot Number	231
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1010
Census Tract	201300

Owner

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	Owner Name on Record
Mailing Address	5390 HARMONY LN, WILLOUGHBY, OH 44094-4308
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2019	Loan Modification, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Dec 8, 2018	Loan Modification, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Jun 5, 1996 · Amount on Record
Last Transfer Date	May 28, 2010
Transfer Doc	0000011349
Record Updated	Jun 7, 2026

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE OH
Property Address	5390 HARMONY LN, WILLOUGHBY, OH 44094-4308
Document Number	0000007935
Instrument Date	Apr 6, 2019
Transaction Type	Mortgage
Record Updated	May 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5390 HARMONY LN WILLOUGHBY OH 440944308, WILLOUGHBY, OH 44094-4308

Mortgage

Document Number	0000007935
Date	Apr 15, 2019
Instrument	7935

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 14, 2059

Interest

Rate Type	Fixed Rate
Rate	4.37%

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE OH
Property Address	5390 HARMONY LN, WILLOUGHBY, OH 44094-4308
Document Number	0000032371
Instrument Date	Dec 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5390 HARMONY LN WILLOUGHBY OH 440944308, WILLOUGHBY, OH 44094-4308

Mortgage

Document Number	0000032371
Date	Dec 26, 2018
Instrument	32371

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Dec 25, 2025

Interest

Rate	5.25%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,886.00 (+78.53%) Homeowner's exemption Senior Citizen's exemption	$62,170 (-) Land $14,600 Building $47,570
2022	$3,297.00 Homeowner's exemption Senior Citizen's exemption	$62,170 Land $14,600 Building $47,570
2021			$177,620 Land $41,720 Building $135,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 in force

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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