Lake County property record for 7738 Joseph St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,275 sqft · built 1949 |
| Lot Size | 0.224 acres (9,766 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Aug 1985) |
| Tax Bill | $6,471 (2023) |
| Deeds & Mortgages | Feb 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-K-00-021-0 |
| Primary APN | 20-A-006-K-00-021-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,275 sqft Living Area |
| 1st Floor Area | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,766 sqft (0.224 acres) |
| Lot Dimensions | 148 ft deep x 66 ft wide |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 324 sqft |
| Patio Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | D 69 |
|---|---|
| Street Address | 7738 JOSEPH ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 30 TRACT 1 |
| Legal Tract | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 203700 |
7738 Joseph St is owned and occupied by two individuals who bought it in August 1985.
Source: Lake County records, as of April 25, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7738 JOSEPH ST, WILLOUGHBY, OH 44094-9238 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 1985 · Amount on File |
| Deed Sale | Aug 12, 1985 · Amount on File |
| Deed Document Number | CF 2792 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 7738 JOSEPH ST, WILLOUGHBY, OH 44094-9238 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER |
| Name | Verified Name |
|---|---|
| Address | 7738 JOSEPH ST, WILLOUGHBY, OH 44094-9238 |
| Document Number | 0000002362 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 2023R002362 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $6,471.00 (+100.9%) Homeowner's exemption | $61,800 (-) Land $14,290 Building $47,510 | |
| 2022 | $3,221.00 Homeowner's exemption | $61,800 Land $14,290 Building $47,510 | |
| 2021 | $176,580 Land $40,840 Building $135,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7738 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 7738 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 | Direct burnable vegetation |
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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