Lake County property record for 7785 Joseph St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,526 sqft · built 2002 |
| Lot Size | 0.674 acres (29,368 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,000 (Apr 2004) |
| Tax Bill | $11,154 (2023) |
| Deeds & Mortgages | Feb 2024 Line of Credit Apr 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-A-00-054-0 |
| Primary APN | 20-A-006-A-00-054-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,526 sqft Living Area |
| 1st Floor Area | 1,701 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 29,368 sqft (0.674 acres) |
| Lot Dimensions | 330 ft deep x 65 ft wide |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 300 sqft |
| Deck Area | 112 sqft |
| Patio Area | 117 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | D 47 |
|---|---|
| Street Address | 7785 JOSEPH ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 30 TRACT 1 |
| Legal Subdivision | CITY/KIRTLAND |
| Legal Tract | 1 |
| Legal Block | 113 |
| Legal Lot Number | 30 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 203700 |
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 |
|---|---|
| Mailing Address | 7785 JOSEPH ST, WILLOUGHBY, OH 44094-9255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 15, 2021 | Transfer on Death Deed, Transfer |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2004 · Amount on Record |
| Deed Sale | Apr 20, 2004 · Amount on Record |
| Deed Document Number | 1343 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 7785 JOSEPH ST, WILLOUGHBY, OH 44094-9255 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 7785 JOSEPH ST, KIRTLAND, OH 44094-9255 |
| Document Number | 0000002499 |
|---|---|
| Date | Feb 8, 2024 |
| Instrument | 2024R002499 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 15, 2021 |
| Property Address | 7785 JOSEPH ST, WILLOUGHBY, OH 44094-9255 |
| Document Number | 0000012702 |
| Instrument Date | Apr 14, 2021 |
| Instrument | 2021R012702 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 7785 JOSEPH ST, WILLOUGHBY, OH 44094-9255 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 7785 JOSEPH ST, WILLOUGHBY, OH 44094-9255 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000035323 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 2020R035323 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2040 |
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 | $11,154.00 (+119.09%) Homeowner's exemption Senior Citizen's exemption | $106,520 (-) Land $29,730 Building $76,790 | |
| 2022 | $5,091.00 Homeowner's exemption Senior Citizen's exemption | $106,520 Land $29,730 Building $76,790 | |
| 2021 | $304,350 Land $84,950 Building $219,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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