Lake County property record for 549 Cherokee Trl, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1959 |
| Lot Size | 0.159 acres (6,961 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,542 (Oct 2021) |
| Tax Bill | $3,683 (2023) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-057-M-00-050-0 |
| Primary APN | 27-B-057-M-00-050-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,961 sqft (0.159 acres) |
| Lot Dimensions | 116 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Patio Area | 468 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 68 |
|---|---|
| Street Address | 549 CHEROKEE TRL |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 1 & 4 DOUGLASS & 16 TRACT S/L 25 & PART OF S/L 27 |
| Legal Subdivision | ARROWHEAD BEACH ALLOTMENT |
| Legal Block | R |
| Legal Lot Number | 1 & 4 27 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 201700 |
549 Cherokee Trl is owned and occupied by an individual who bought it in October 2021.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 549 CHEROKEE TRL, WILLOUGHBY, OH 44094-7201 |
| 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 |
|---|---|
| Oct 21, 2021 | Survivorship Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK FULFILLMENT SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on File |
| Deed Sale | Oct 21, 2021 · Amount on File |
| Prior Sale | May 21, 2008 · Amount on File |
| Deed Document Number | 467240 |
| Record Updated | Jun 7, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 21, 2021 |
| Property Address | 549 CHEROKEE TRL, WILLOUGHBY, OH 44094-7201 |
| Document Number | 0000037298 |
| Map Reference | VOL E PG 13 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 2021R037298 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | ENTERPRISE TITLE |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 549 CHEROKEE TRL, WILLOUGHBY, OH 44094-7201 |
| Document Number | 0000037299 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 2021R037299 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 549 CHEROKEE TRL, WILLOUGHBY, OH 44094-7201 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013475 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021R013475 |
| Name | US BANK FULFILLMENT SERVICES |
|---|---|
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 206 Months |
| Due | Jun 1, 2038 |
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 | $3,683.00 (+53.01%) Homeowner's exemption | $38,900 (-) Land $9,210 Building $29,690 | |
| 2022 | $2,407.00 Homeowner's exemption | $38,900 Land $9,210 Building $29,690 | |
| 2021 | $111,120 Land $26,300 Building $84,820 |
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 549 Cherokee Trl in Zone X, an area of minimal flood risk, though there have been 11 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 | 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.
The area around 549 Cherokee Trl 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 604 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures