Lake County property record for 837 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,776 sqft · built 1960 |
| Lot Size | 0.176 acres (7,697 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $142,000 (Jan 2019) |
| Tax Bill | $5,700 (2023) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-M-02-011-0 |
| Primary APN | 28-A-039-M-02-011-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,776 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,697 sqft (0.176 acres) |
| Lot Dimensions | 148 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | L 26 |
|---|---|
| Street Address | 837 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 Lot Number | 106 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | EASTLAKE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 202100 |
Source: Lake County records, as of April 25, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 837 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Jan 16, 2019 | Grant Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2019 · Amount on File |
| Deed Sale | Jan 16, 2019 · Amount on File |
| Prior Sale | Aug 12, 2014 |
| Deed Document Number | 441291 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 837 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000031782 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 2021R031782 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2031 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jan 16, 2019 |
| Property Address | 837 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000001064 |
| Instrument Date | Jan 16, 2019 |
| Instrument | 1064 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2019 |
| Title Company | EMERALD GLEN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $568.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 837 CHARLES ST WILLOWICK OH 440954303, WILLOWICK, OH 44095-4303 |
| Document Number | 1065 |
|---|---|
| Date | Jan 16, 2019 |
| Instrument | 1065 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 15, 2034 |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $5,700.00 (+43.98%) Homeowner's exemption | $55,030 (-) Land $11,170 Building $43,860 | |
| 2022 | $3,959.00 Homeowner's exemption | $55,030 Land $11,170 Building $43,860 | |
| 2021 | $157,210 Land $31,900 Building $125,310 |
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