Lake County property record for 669 Orchard Rd, Willoughby, OH 44094
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1 ba · 760 sqft · built 1930 |
| Lot Size | 0.093 acres (4,051 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Sep 2025) |
| Tax Bill | $3 (2024) |
| Deeds & Mortgages | Sep 2026 Mortgage Feb 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-057-D-00-009-0 |
| Primary APN | 27-B-057-D-00-009-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 760 sqft Living Area |
| 1st Floor Area | 760 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,051 sqft (0.093 acres) |
| Lot Dimensions | 90 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Porch | Enclosed Frame Porch |
| Porch Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 669 ORCHARD RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7244 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | R-60 |
| Legal Description | LOT 4 DOUGLASS TRACT |
| Legal Subdivision | LAKE FOREST PARK SUBDIVISION |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 201700 |
669 Orchard Rd, residential vacant land, is owned and occupied by two individuals who bought it in September 2025.
Source: Lake County records, as of September 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Feb 11, 2025 | Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK |
| Sep 17, 2025 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 17, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Aug 28, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on File |
| Deed Sale | Sep 17, 2025 · Amount on File |
| Prior Sale | Jun 6, 1985 |
| Deed Document Number | 202520517 |
| Prior Transfer Date | Aug 23, 2024 |
| Prior Transfer Doc | 0000018522 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 2, 2026 |
| Property Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Document Number | 0000020121 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 202620121 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Investor | Possibly a Property Investor |
| Document Number | 0000020121, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 202620121 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000002535 |
|---|---|
| Date | Feb 11, 2025 |
| Instrument | 2025R002535 |
| Name | INDEPENDENCE BANK |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, OH 44131 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 17, 2025 |
| Property Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Document Number | 0000020517 |
| Map Reference | VOL D PG 53 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 2025R020517 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | INFINITE TITLE, INFINITY 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 | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Document Number | 0000020518 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 2025R020518 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 17, 2024 |
| Property Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Document Number | 0000018522 |
| Map Reference | VOL D PG 53 |
| Instrument Date | Aug 23, 2024 |
| Instrument | 2024R018522 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2175 NORTH BAY DR, WILLOUGHBY, OH 44094-8058 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 28, 2018 |
| Property Address | 669 ORCHARD RD, WILLOUGHBY, OH 44094-7244 |
| Document Number | 0000021731 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 21731 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 669 ORCHARD RD WILLOUGHBY OH 440947244, WILLOUGHBY, OH 44094-7244 |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $6,740 (-) Land $6,740 | $19,250 (-) Land $19,250 | |
| 2024 | $3.00 Additional exemption filed | $6,740 (+76.9%) Land $6,740 | $19,250 Land $19,250 |
| 2023 | $3.00 Additional exemption filed | $3,810 (-) Land $3,810 | |
| 2022 | $3.00 Additional exemption filed | $3,810 Land $3,810 | |
| 2021 | $10,880 Land $10,880 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 669 Orchard Rd 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 risk around 669 Orchard Rd 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 99.1% of the US · lower than 96% 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.
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 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 |
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