Lake County property record for 789 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,244 sqft · built 1960 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $126,000 (Jun 2021) |
| Tax Bill | $5,438 (2023) |
| Deeds & Mortgages | Jul 2021 Line of Credit Jun 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-L-02-065-0 |
| Primary APN | 28-A-039-L-02-065-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,244 sqft Living Area |
| 1st Floor Area | 984 sqft |
| Basement Area | 260 sqft |
| Finished Basement | 260 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 192 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Canopy | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 789 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 Block | 1 |
| Legal Lot Number | 243 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOWICK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 200400 |
789 Charles St is owner-occupied and held in a trust since June 2021.
Source: Lake County records, as of January 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Jul 15, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jun 4, 2021 | Correction Deed |
| Jun 2, 2021 | Correction Deed |
| Mar 4, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2021 · Amount on File |
| Deed Sale | Jun 4, 2021 · Amount on File |
| Prior Sale | Jun 25, 2009 · Amount on File |
| Deed Document Number | 202119044 |
| Prior Transfer Date | Feb 28, 2020 |
| Prior Transfer Doc | 0000005651 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Number | 0000024191 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021R024191 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 4, 2021 |
| Property Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Number | 0000019044 |
| Map Reference | VOL K PG 38 |
| Instrument Date | Jun 3, 2021 |
| Instrument | 2021R019044 |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 2, 2021 |
| Property Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Number | 0000018852 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 2021R018852 |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 4, 2020 |
| Property Address | 789 CHARLES ST, WILLOWICK, OH 44095-4301 |
| Document Number | 0000005651 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 5651 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 789 CHARLES ST #T WILLOWICK OH 440954301, T, WILLOWICK, OH 44095-4301 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willowick City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption | $74,180 Land $12,860 Building $61,320 | $211,950 Land $36,740 Building $175,210 |
| 2023 | $5,438.00 (+72.25%) Homeowner's exemption Senior Citizen's exemption | $52,500 (-) Land $11,170 Building $41,330 | |
| 2022 | $3,157.00 Homeowner's exemption Senior Citizen's exemption | $52,500 Land $11,170 Building $41,330 | |
| 2021 | $149,990 Land $31,910 Building $118,080 |
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 789 Charles St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 Claims | 2 (1978–1981) |
| Most Recent Claim | Jul 1981 · rainfall accumulation |
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 789 Charles 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 98% of the US · lower than 90% 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 726 locations within half a mile, as of December 31, 2025
| 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 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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