Lake County property record for 836 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,120 sqft · built 1961 |
| Lot Size | 0.172 acres (7,497 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $121,000 (Jul 2015) |
| Tax Bill | $5,272 (2023) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-M-02-030-0 |
| Primary APN | 28-A-039-M-02-030-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,497 sqft (0.172 acres) |
| Lot Dimensions | 119 ft deep x 63 ft wide |
| View / Lot | Extra Front |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Patio Area | 420 sqft |
| Canopy | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 836 CHARLES ST |
|---|---|
| City | WILLOWICK |
| State | OH |
| Zip | 44095-4302 |
| 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 | 1 |
| Legal Lot Number | 89 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOWICK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 200400 |
Source: Lake County records, as of May 26, 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 | 836 CHARLES ST, WILLOWICK, OH 44095-4302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE |
| Dec 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Jun 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2015 · Amount on Record |
| Deed Sale | Jul 31, 2015 · Amount on Record |
| Prior Sale | Mar 12, 2015 · Amount on Record |
| Deed Document Number | 201520237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 12, 2026 |
| Property Address | 836 CHARLES ST, WILLOWICK, OH 44095-4302 |
| Document Number | 0000009961 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20269961 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 836 CHARLES ST, WILLOWICK, OH 44095-4302 |
| Document Number | 0000009961, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 20269961 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 1, 2066 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 836 CHARLES ST, WILLOWICK, OH 44095-4302 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 836 CHARLES ST, WILLOWICK, OH 44095-4302 |
| Document Number | 0000025476 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 2023R025476 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 260 Months |
| Due | Aug 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 836 CHARLES ST, WILLOWICK, OH 44095-4302 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000018899 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 2021R018899 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 290 Months |
| Due | Aug 1, 2045 |
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 | $64,060 (+25.85%) Land $12,220 Building $51,840 | $183,020 (+25.84%) Land $34,920 Building $148,100 | |
| 2023 | $5,272.00 (+43.81%) Homeowner's exemption | $50,900 (-) Land $10,630 Building $40,270 | |
| 2022 | $3,666.00 Homeowner's exemption | $50,900 Land $10,630 Building $40,270 | |
| 2021 | $145,440 Land $30,380 Building $115,060 |
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 | Not rated no burnable land within 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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