Lake County property record for 787 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,159 sqft · built 1960 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,500 (Oct 2018) |
| Tax Bill | $4,763 (2023) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-L-02-066-0 |
| Primary APN | 28-A-039-L-02-066-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,159 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Game Room | Game Room |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 18 sqft |
| Balcony | Balcony |
| Balcony Area | 36 sqft |
| Lean-To | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | L 2 |
|---|---|
| Street Address | 787 CHARLES ST |
| City | WILLOWICK |
| State | OH |
| Zip | 44095-4301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | U1 |
| Legal Description | LOT 2 & 3 TRACT 15 |
| Legal Subdivision | BAYRIDGE SUBDIVISION NO 4 |
| Legal Tract | 15 |
| Legal Lot Number | 244 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOWICK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 200400 |
Source: Lake County records · APN 28-A-039-L-02-066-0
Assessment roll updated August 1, 2023 · Last verified May 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 787 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 01, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Oct 19, 2018 | Warranty Deed, Transfer · FHA Mortgage UNION CAPITAL MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 19, 2018 · Amount on Record |
| Deed Sale | Oct 19, 2018 · Amount on Record |
| Deed Document Number | 4277 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 787 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000010170 |
|---|---|
| Date | Jun 01, 2023 |
| Instrument | 2023R010170 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HUDSON, OH 44236 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 17, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 19, 2018 |
| Property Address | 787 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Number | 0000026828 |
| Map Reference | VOL K PG38 |
| Instrument Date | Oct 09, 2018 |
| Instrument | 2018R026828 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 787 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Number | 0000026829 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 2018R026829 |
| Name | UNION CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willowick City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,763.00 (+43.64%) Homeowner's exemption | $45,980 (-) Land $11,170 Building $34,810 | |
| 2022 | $3,316.00 Homeowner's exemption | $45,980 Land $11,170 Building $34,810 | |
| 2021 | $131,370 Land $31,910 Building $99,460 |
Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1978–1981) |
| Most Recent Claim | Jul 1981 · rainfall accumulation |
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 726 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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