5605 Clover Cir, Willoughby, OH 44094 Property Records

Lake County property record for 5605 Clover Cir, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,088 sqft · built 1974
Lot Size	0.363 acres (15,834 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,706 (2023)
Deeds & Mortgages	Jul 2025 Line of Credit Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-003-A-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-003-A-00-002-0`
Alternative APN	`100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,088 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	15,834 sqft (0.363 acres)
Lot Dimensions	182 ft deep x 87 ft wide
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	408 sqft
Patio Area	224 sqft
Balcony	Balcony
Balcony Area	74 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	100
Street Address	5605 CLOVER CIR
City	WILLOUGHBY
State	OH
Zip	44094-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-80
Legal Description	LOT 4 TRACT 11
Legal Subdivision	HALLE ESTATES
Legal Tract	11
Legal Lot Number	2
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	3
Census Block	3000
Census Tract	201200

Owner

5605 Clover Cir is owned and occupied by two individuals who acquired it in April 1985.

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

Owner of Record	2 Individual Names on File
Mailing Address	5605 CLOVER CIR, WILLOUGHBY, OH 44094-3017
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 8, 2022	Transfer on Death Deed, Transfer
Feb 6, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 1985
Deed Sale	Apr 3, 1985
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5605 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5605 CLOVER CIR, WILLOUGHBY, OH 44094-3017

Mortgage

Document Number	0000013674
Date	Jul 2, 2025
Instrument	2025R013674

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 24, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Nov 8, 2022
Property Address	5605 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Document Number	0000029986
Map Reference	VOL P PG 98
Instrument Date	Oct 27, 2022
Instrument	2022R029986
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5605 CLOVER CIR, WILLOUGHBY, OH 44094-3017

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5605 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003288
Date	Feb 6, 2020
Instrument	2020R003288

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 24, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$8,706.00 (+70.41%) Homeowner's exemption Senior Citizen's exemption	$91,960 (-) Land $17,100 Building $74,860
2022	$5,109.00 Homeowner's exemption Senior Citizen's exemption	$91,960 Land $17,100 Building $74,860
2021			$262,750 Land $48,870 Building $213,880

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

Flood

FEMA maps place 5605 Clover Cir in Zone X, an area of minimal flood risk.

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	1 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

The area around 5605 Clover Cir 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.

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 364 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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