5398 Harmony Ln, Willoughby, OH 44094 Property Records

Lake County property record for 5398 Harmony Ln, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 999 sqft · built 1954
Lot Size	0.22 acres (9,601 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (Sep 2023)
Tax Bill	$4,373 (2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-007-C-00-028-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-007-C-00-028-0`
Alternative APN	`D 31`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	999 sqft Living Area
1st Floor Area	999 sqft
Game Room	Game Room

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	160 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5398 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 Block	1
Legal Lot Number	230
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1010
Census Tract	201300

Owner

Source: Lake County records, as of June 4, 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	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage THIRD FSLA OF CLEVELAND
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Mar 19, 2019	Deed of Trust, Mortgage HOWARD HANNA MTG SVCS
Mar 25, 2019	Correction Deed ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY
Mar 22, 2019	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2023 · Amount on Record
Deed Sale	Sep 28, 2023 · Amount on Record
Prior Sale	Mar 25, 2019 · Amount on Record
Deed Document Number	202319441
Prior Transfer Date	Sep 25, 2006
Prior Transfer Doc	0000039294
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Sep 28, 2023
Property Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Document Number	0000019441
Map Reference	VOL J PG 32-1
Instrument Date	Sep 21, 2023
Instrument	2023R019441
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308

Mortgage

Document Number	0000019442
Date	Sep 28, 2023
Instrument	2023R019442

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308

Mortgage

Document Number	0000022097
Date	Aug 8, 2022
Instrument	2022R022097

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003798
Date	Feb 2, 2021
Instrument	2021R003798

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Document Number	0000006077
Instrument Date	Mar 19, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2178 WATERBURY RD LAKEWOOD OH 441076222, LAKEWOOD, OH 44107-6222

Mortgage

Document Number	0000006077
Date	Mar 25, 2019
Instrument	6077

Lender

Name	HOWARD HANNA MTG SVCS
Type	Mortgage Company
Address	MAYFIELD HEIGHTS, OH 44124

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

March 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	LAKE OH
Recording Date	Mar 25, 2019
Property Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Document Number	0000006076
Instrument Date	Mar 19, 2019
Instrument	6076
Record Updated	Apr 5, 2019
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$572.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5398 HARMONY LN WILLOUGHBY OH 440944308, WILLOUGHBY, OH 44094-4308

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Mar 22, 2019
Property Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308
Document Number	0000005875
Map Reference	VOL J PG 1-32
Instrument Date	Mar 19, 2019
Instrument	2019R005875
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5398 HARMONY LN, WILLOUGHBY, OH 44094-4308

Mortgage

Document Number	0000005876
Date	Mar 22, 2019
Instrument	2019R005876

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$62,860 (+36.09%) Land $17,240 Building $45,620	$179,590 (+36.06%) Land $49,250 Building $130,340
2023	$4,373.00 (+29.19%) Homeowner's exemption	$46,190 (-) Land $14,600 Building $31,590
2022	$3,385.00 Homeowner's exemption	$46,190 Land $14,600 Building $31,590
2021			$131,990 Land $41,720 Building $90,270

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.

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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