Lake County property record for 817 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,000 sqft · built 1961 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $122,500 (Mar 1999) |
| Tax Bill | $4,726 (2023) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-L-03-006-0 |
| Primary APN | 28-A-039-L-03-006-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Architectural Style | Ranch |
| 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Balcony | Balcony |
| Balcony Area | 12 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | L 16 |
|---|---|
| Street Address | 817 CHARLES ST |
| City | WILLOWICK |
| State | OH |
| Zip | 44095-4303 |
| 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 | 230 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOWICK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 200400 |
The current owner of 817 Charles St bought it in March 1999.
Source: Lake County records, as of April 25, 2024
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 817 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 1999 · Amount on File |
| Deed Sale | Mar 17, 1999 · Amount on File |
| Deed Document Number | 808 |
| Deed Book / Page | 28 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 817 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000005443 |
| Instrument Date | Feb 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2017 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 817 CHARLES ST WILLOWICK OH 440954303, WILLOWICK, OH 44095-4303 |
| Document Number | 0000005443 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 5443 |
| Name | THIRD FED'L S&L/CLEVELAND |
|---|---|
| Type | Federal Savings Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,726.00 (+43.6%) Homeowner's exemption | $45,630 (-) Land $11,170 Building $34,460 | |
| 2022 | $3,291.00 Homeowner's exemption | $45,630 Land $11,170 Building $34,460 | |
| 2021 | $130,370 Land $31,910 Building $98,460 |
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 817 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 817 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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