Lake County property record for 798 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,006 sqft · built 1961 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $129,000 (Jul 2015) |
| Tax Bill | $5,435 (2023) |
| Deeds & Mortgages | Sep 2023 Mortgage Apr 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-L-02-048-0 |
| Primary APN | 28-A-039-L-02-048-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,006 sqft Living Area |
| Gross Area | 1,156 sqft |
| 1st Floor Area | 988 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| 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 | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 798 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 | 300 |
| 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 | 798 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 12, 2018 | Loan Modification, Mortgage · FHA Mortgage PINGORA LOAN SVCNG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2015 · Amount on Record |
| Deed Sale | Jul 13, 2015 · Amount on Record |
| Prior Sale | Sep 21, 2006 · Amount on Record |
| Deed Document Number | 201518122 |
| Prior Transfer Date | Jul 9, 2015 |
| Prior Transfer Doc | 0000020446 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 798 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 798 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Document Number | 0000019432 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 2023R019432 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | Apr 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 798 CHARLES ST, WILLOWICK, OH 44095-4300 |
| Document Number | 0000015807 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 798 CHARLES ST WILLOWICK OH 440954300, WILLOWICK, OH 44095-4300 |
| Document Number | 0000015807 |
|---|---|
| Date | Jun 25, 2018 |
| Instrument | 15807 |
| Name | PINGORA LOAN SVCNG |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
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 | $55,460 (+5.7%) Land $12,860 Building $42,600 | $158,440 (+5.7%) Land $36,740 Building $121,700 | |
| 2023 | $5,435.00 (+43.9%) Homeowner's exemption | $52,470 (-) Land $11,170 Building $41,300 | |
| 2022 | $3,777.00 Homeowner's exemption | $52,470 Land $11,170 Building $41,300 | |
| 2021 | $149,900 Land $31,910 Building $117,990 |
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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