Lake County property record for 7678 Joseph St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1920 |
| Lot Size | 0.204 acres (8,882 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,276 (2023) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-C-00-006-0 |
| Primary APN | 20-A-006-C-00-006-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,882 sqft (0.204 acres) |
| Lot Dimensions | 148 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 7678 JOSEPH ST |
|---|---|
| City | KIRTLAND |
| State | OH |
| Zip | 44094-9266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 30 TRACT 1 |
| Legal Subdivision | MCFARLAND ALLOTMENT NO. 1 |
| Legal Tract | 1 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 203700 |
7678 Joseph St is owned by an individual who acquired it in June 2025.
Source: Lake County records, as of July 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3001 HACKBERRY RD, IRVING, TX 75063-0156 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Jun 26, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 28, 2021 | Survivorship Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 1989 |
| Deed Sale | Aug 2, 1989 |
| Last Transfer Date | Jun 17, 2025 |
| Transfer Doc | 0000013191 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 30, 2026 |
| Property Address | 7678 JOSEPH ST, WILLOUGHBY, OH 44094-9266 |
| Document Number | 0000014167 |
| Instrument Date | Jun 20, 2026 |
| Instrument | 202614167 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7678 JOSEPH ST, WILLOUGHBY, OH 44094-9266 |
| Document Number | 0000014167, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202614167 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 20, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 26, 2025 |
| Property Address | 7678 JOSEPH ST, WILLOUGHBY, OH 44094-9266 |
| Document Number | 0000013191 |
| Map Reference | VOL D PG 24 |
| Instrument Date | Jun 17, 2025 |
| Instrument | 2025R013191 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Title Company | HBI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7678 JOSEPH ST, KIRTLAND, OH 44094-9266 |
| Document Number | 0000013192 |
|---|---|
| Date | Jun 26, 2025 |
| Instrument | 2025R013192 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jan 28, 2021 |
| Property Address | 7678 JOSEPH ST, WILLOUGHBY, OH 44094-9266 |
| Document Number | 0000003020 |
| Map Reference | VOLD PG 24 |
| Instrument Date | Jan 27, 2021 |
| Instrument | 2021R003020 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | ENTERPRISE TITLE AGENCY INC |
| 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 | 7678 JOSEPH ST, WILLOUGHBY, OH 44094-9266 |
| Document Number | 0000003021 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 2021R003021 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Kirtland City |
| Unified School District | Kirtland Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $56,870 Land $15,020 Building $41,850 | $162,470 Land $42,900 Building $119,570 | |
| 2023 | $4,276.00 (+99.53%) Homeowner's exemption | $40,840 (-) Land $13,000 Building $27,840 | |
| 2022 | $2,143.00 Homeowner's exemption | $40,840 Land $13,000 Building $27,840 | |
| 2021 | $116,660 Land $37,130 Building $79,530 |
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.
FEMA maps place 7678 Joseph St 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 risk around 7678 Joseph St 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 97% of the US · lower than 85% 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 | AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2021–2023) 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 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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