550 Cherokee Trl, Willoughby, OH 44094 Property Records

Lake County property record for 550 Cherokee Trl, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,349 sqft · built 1990
Lot Size	0.159 acres (6,961 sqft)
Owner	Owner Name on File
Last Sale	$118,800 (Nov 1998)
Tax Bill	$5,129 (2023)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-057-M-00-038-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-057-M-00-038-0`
Alternative APN	`57`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,349 sqft Living Area
1st Floor Area	650 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	6,961 sqft (0.159 acres)
Lot Dimensions	116 ft deep x 60 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	428 sqft
Patio Area	428 sqft
Balcony	Balcony
Balcony Area	25 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	57
Street Address	550 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 PART OF S/L 12
Legal Subdivision	ARROWHEAD BEACH ALLOTMENT
Legal Block	2
Legal Lot Number	1 & 4
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	3
Census Block	3001
Census Tract	201700

Owner

The current owner of 550 Cherokee Trl bought it in November 1998.

Source: Lake County records, as of April 25, 2024

Owner of Record	Owner Name on File
Mailing Address	550 CHEROKEE TRL, WILLOUGHBY, OH 44094-7238

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

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Unknown CITIZENS BANK NA
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 1998 · Amount on File
Deed Sale	Nov 25, 1998 · Amount on File
Prior Sale	May 11, 1995 · Amount on File
Deed Document Number	4913
Deed Book / Page	1115 / 145
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	550 CHEROKEE TRL, WILLOUGHBY, OH 44094-7238
Transaction Type	Mortgage
Record Updated	Feb 16, 2023
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 CHEROKEE TRL, WILLOUGHBY, OH 44094-7238

Mortgage

Document Number	0000002122
Date	Feb 7, 2023
Instrument	2023R002122

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Unknown
Amount	Amount on Record
Term	298 Months
Due	Dec 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	550 CHEROKEE TRL, WILLOUGHBY, OH 44094-7238
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004373
Date	Feb 10, 2022
Instrument	2022R004373

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	550 CHEROKEE TRL, WILLOUGHBY, OH 44094-7238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029148
Date	Nov 15, 2018
Instrument	2018R029148

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

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	$5,129.00 (+53.75%) Homeowner's exemption	$54,180 (-) Land $9,210 Building $44,970
2022	$3,336.00 Homeowner's exemption	$54,180 Land $9,210 Building $44,970
2021			$154,790 Land $26,300 Building $128,490

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 550 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 550 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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