5606 Clover Cir, Willoughby, OH 44094 Property Records

Lake County property record for 5606 Clover Cir, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,230 sqft · built 1974
Lot Size	0.27 acres (11,787 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Oct 2019)
Tax Bill	$9,615 (2023)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-003-A-00-003-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-003-A-00-003-0`
Alternative APN	`99`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,230 sqft Living Area
1st Floor Area	896 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	11,787 sqft (0.27 acres)
Lot Dimensions	142 ft deep x 83 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	192 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Balcony	Balcony
Balcony Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	99
Street Address	5606 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	3
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	3
Census Block	3000
Census Tract	201200

Owner

5606 Clover Cir is owned and occupied by an individual who bought it in October 2019.

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 3, 2019	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Aug 27, 2019	Trustee's Deed, Construction Loan · Line of Credit HOME SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2019 · Amount on File
Deed Sale	Oct 3, 2019 · Amount on File
Deed Document Number	447811
Record Updated	Jun 7, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017

Mortgage

Document Number	0000012321
Date	Jun 29, 2023
Instrument	2023R012321

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 28, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012141
Date	Apr 12, 2021
Instrument	2021R012141

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Oct 3, 2019
Property Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Document Number	0000024207
Map Reference	VOL P PG 98
Instrument Date	Oct 1, 2019
Instrument	2019R024207
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	EMERALD GLEN TITLE AGCY INC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017

Mortgage

Document Number	0000024208
Date	Oct 3, 2019
Instrument	2019R024208

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAKE OH
Recording Date	Aug 27, 2019
Property Address	5606 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Instrument Date	Aug 23, 2019
Instrument	20323
Transaction Type	Construction Loan
Record Updated	Sep 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5606 CLOVER CIR WILLOUGHBY OH 440943017, WILLOUGHBY, OH 44094-3017

Mortgage

Document Number	0000020323
Date	Aug 27, 2019
Instrument	20323

Lender

Name	HOME SVGS BK
Type	Federal Savings Bank
Address	CANFIELD, OH 44406

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 26, 2020

Interest

Rate Type	Adjustable Rate

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	$9,615.00 (+54.66%) Homeowner's exemption	$101,560 (-) Land $15,260 Building $86,300
2022	$6,217.00 Homeowner's exemption	$101,560 Land $15,260 Building $86,300
2021			$290,160 Land $43,600 Building $246,560

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 5606 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 5606 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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