Lake County property record for 829 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,476 sqft · built 1961 |
| Lot Size | 0.177 acres (7,697 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,000 (Jan 2024) |
| Tax Bill | $5,449 (2023) |
| Deeds & Mortgages | Aug 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-M-02-015-0 |
| Primary APN | 28-A-039-M-02-015-0 |
|---|---|
| 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 | 1,476 sqft Living Area |
| 1st Floor Area | 974 sqft |
| Basement Area | 460 sqft |
| Finished Basement | 460 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 | 7,697 sqft (0.177 acres) |
| Lot Dimensions | 148 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 174 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 829 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, 4 & 5 TRACT 15 |
| Legal Subdivision | BAYRIDGE SUBDIVISION NO 6 |
| Legal Tract | 15 |
| Legal Block | 2 |
| Legal Lot Number | 102 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | EASTLAKE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 202100 |
Source: Lake County records, as of August 18, 2026
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 | 2160 SUPERIOR AVE, CLEVELAND, OH 44114-2102 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 8, 2024 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 29, 2023 | Warranty Deed, Transfer |
| Jul 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2024 · Amount on Record |
| Deed Sale | Jan 8, 2024 · Amount on Record |
| Prior Sale | Aug 29, 2023 · Amount on Record |
| Deed Document Number | 2024502 |
| Prior Transfer Date | Nov 27, 2009 |
| Prior Transfer Doc | 0000004678 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 6, 2026 |
| Property Address | 829 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000017630 |
| Instrument Date | Aug 1, 2026 |
| Instrument | 202617630 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 829 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000017630, |
|---|---|
| Date | Aug 6, 2026 |
| Instrument | 202617630 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.79% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jan 8, 2024 |
| Property Address | 829 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000000502 |
| Map Reference | VOL M PG 18 |
| Instrument Date | Jan 5, 2024 |
| Instrument | 2024R000502 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2160 SUPEION AVE, CLEVELAND, OH 44114 |
| Document Number | 0000000503 |
|---|---|
| Date | Jan 8, 2024 |
| Instrument | 2024R000503 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 29, 2023 |
| Property Address | 829 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000017091 |
| Map Reference | VOL M PG 18 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 2023R017091 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3815 S DRINY LANE, WILLOUGHBY, OH 44094 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 829 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000019141 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 2022R019141 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.24% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5.24% |
| Index | Prime Rate |
| Max Rate | 9.24% |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Eastlake City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $60,540 (+15.07%) Land $12,850 Building $47,690 | $172,990 (+15.1%) Land $36,720 Building $136,270 | |
| 2023 | $5,449.00 (+43.89%) Homeowner's exemption | $52,610 (-) Land $11,170 Building $41,440 | |
| 2022 | $3,787.00 Homeowner's exemption | $52,610 Land $11,170 Building $41,440 | |
| 2021 | $150,290 Land $31,900 Building $118,390 |
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 Policies | 1 in force |
| Nearby Flood Claims | 2 (1980–2022) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Feb 2022 · 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures