540 Cherokee Trl, Willoughby, OH 44094 Property Records

Lake County property record for 540 Cherokee Trl, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 675 sqft · built 1997
Lot Size	0.107 acres (4,639 sqft)
Owner	Individual Name on File
Last Sale	$174,500 (Nov 2021)
Tax Bill	$5,108 (2023)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-057-M-00-039-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-057-M-00-039-0`
Alternative APN	`58`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	675 sqft Living Area
1st Floor Area	650 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,639 sqft (0.107 acres)
Lot Dimensions	116 ft deep x 40 ft wide
View / Lot	Restrictions
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	540 CHEROKEE TRL
City	WILLOUGHBY
State	OH
Zip	44094-7238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 1 & 4 DOUGLASS & 16 TRACT
Legal Subdivision	ARROWHEAD BEACH ALLOTMENT
Legal Block	2
Legal Lot Number	8
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	3
Census Block	3001
Census Tract	201700

Owner

540 Cherokee Trl is owned by an individual who bought it in November 2021.

Source: Lake County records, as of June 3, 2026

Owner of Record	Individual Name on File
Mailing Address	10940 PROUTY RD, 4, CONCORD TOWNSHIP, OH 44077-2320
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Mar 19, 2003 · Amount on File
Deed Document Number	202140003
Prior Transfer Date	Oct 7, 2006
Prior Transfer Doc	0000042330
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Nov 12, 2021
Property Address	540 CHEROKEE TRL, WILLOUGHBY, OH 44094-7238
Document Number	0000040003
Instrument Date	Nov 11, 2021
Instrument	2021R040003
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount on Record
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	10940 PROUTY RD APT 4, 4, CONCORD TOWNSHIP, OH 44077-2320

Mortgage

Document Number	0000040004
Date	Nov 12, 2021
Instrument	2021R040004

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

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		$68,130 Land $9,880 Building $58,250	$194,650 Land $28,220 Building $166,430
2023	$5,108.00 (+50.24%) Homeowner's exemption	$53,960 (-) Land $8,370 Building $45,590
2022	$3,400.00	$53,960 Land $8,370 Building $45,590
2021			$154,160 Land $23,910 Building $130,250

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

FEMA maps place 540 Cherokee Trl 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	11 (1978–1991)
Claims Outside the SFHA	3 of 11
Most Recent Claim	May 1991 · erosion

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

Wildfire risk around 540 Cherokee Trl 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 98% of the US · lower than 90% 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.

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 112 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	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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