Lake County property record for 796 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,492 sqft · built 1961 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $122,000 (Apr 1999) |
| Tax Bill | $5,301 (2023) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2024 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-L-02-047-0 |
| Primary APN | 28-A-039-L-02-047-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,492 sqft Living Area |
| Gross Area | 1,693 sqft |
| 1st Floor Area | 970 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Family Room | Family Room |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| 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 | Enclosed Frame Porch |
| Porch Area | 201 sqft |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 796 CHARLES ST |
|---|---|
| City | WILLOWICK |
| State | OH |
| Zip | 44095-4300 |
| 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 | 299 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOWICK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 200400 |
Source: Lake County records, as of December 30, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| May 8, 2024 | Transfer on Death Deed, Transfer |
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NORTHEASTERN OHIO |
| May 14, 2018 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Apr 24, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 1999 · Amount on Record |
| Deed Sale | Apr 15, 1999 · Amount on Record |
| Prior Sale | Dec 16, 1991 |
| Deed Document Number | 199918024 |
| Last Transfer Date | May 7, 2024 |
| Transfer Doc | 0000008723 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000040605 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2021R040605 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Sep 1, 2031 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 8, 2024 |
| Property Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Document Number | 0000008723 |
| Map Reference | VOL K PG 38 |
| Instrument Date | May 2, 2024 |
| Instrument | 2024R008723 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011738 |
|---|---|
| Date | May 14, 2018 |
| Instrument | 2018R011738 |
| Name | FIFTH THIRD BANK NORTHEASTERN OHIO |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 25, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011737 |
|---|---|
| Date | May 14, 2018 |
| Instrument | 2018R011737 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | May 1, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 24, 2018 |
| Property Address | 796 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Document Number | 0000009800 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 9800 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 796 CHARLES ST WILLOWICK OH 440954300, WILLOWICK, OH 44095-4300 |
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 | $62,930 (+22.96%) Land $12,860 Building $50,070 | $179,800 (+22.96%) Land $36,740 Building $143,060 | |
| 2023 | $5,301.00 (+43.81%) Homeowner's exemption | $51,180 (-) Land $11,170 Building $40,010 | |
| 2022 | $3,686.00 Homeowner's exemption | $51,180 Land $11,170 Building $40,010 | |
| 2021 | $146,230 Land $31,910 Building $114,320 |
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.
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.
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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