5612 Clover Cir, Willoughby, OH 44094 Property Records

Lake County property record for 5612 Clover Cir, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,084 sqft · built 1974
Lot Size	0.248 acres (10,842 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,698 (2023)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-A-003-A-00-004-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-003-A-00-004-0`
Alternative APN	`98`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,084 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	310 sqft
Finished Basement	310 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	10,842 sqft (0.248 acres)
Lot Dimensions	139 ft deep x 78 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	478 sqft
Patio Area	478 sqft
Balcony	Balcony
Balcony Area	110 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	98
Street Address	5612 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	1
Legal Lot Number	4
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	3
Census Block	3000
Census Tract	201200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	5612 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Intrafamily Transfer, Transfer · Line of Credit PARK NATIONAL BANK
Sep 19, 2018	Deed of Trust, Mortgage · Line of Credit HOME SAVINGS BANK
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Apr 25, 2022
Transfer Doc	0000011921
Record Updated	Jun 7, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE OH
Recording Date	Apr 25, 2022
Property Address	5612 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Document Number	0000011921
Map Reference	VOL PG PG 98
Instrument Date	Apr 20, 2022
Instrument	2022R011921
Transaction Type	Transfer
Record Updated	May 26, 2022

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
Relationship	Right of Survivorship
Address	5612 CLOVER CIR, WILLOUGHBY, OH 44094-3017

Mortgage

Document Number	0000012032
Date	Apr 25, 2022
Instrument	2022R012032

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5612 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023851
Date	Sep 19, 2018
Instrument	2018R023851

Lender

Name	HOME SAVINGS BANK
Type	Bank
Address	YOUNGSTOWN, OH 44501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 10, 2038

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5612 CLOVER CIR, WILLOUGHBY, OH 44094-3017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031720
Date	Oct 28, 2020
Instrument	2020R031720

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$8,698.00 (+70.45%) Homeowner's exemption Senior Citizen's exemption	$91,870 (-) Land $14,450 Building $77,420
2022	$5,103.00 Homeowner's exemption Senior Citizen's exemption	$91,870 Land $14,450 Building $77,420
2021			$262,490 Land $41,290 Building $221,200

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

Flood

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

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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