Lake County property record for 845 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,102 sqft · built 1960 |
| Lot Size | 0.177 acres (7,697 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $253,400 (Apr 2026) |
| Tax Bill | $5,876 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Aug 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-M-02-007-0 |
| Primary APN | 28-A-039-M-02-007-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,102 sqft Living Area |
| 1st Floor Area | 1,102 sqft |
| Game Room | Game Room |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Hip |
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 845 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 | 110 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | EASTLAKE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 202100 |
Source: Lake County records, as of April 10, 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 | 845 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2026 | Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE |
| Aug 24, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on Record |
| Deed Sale | Apr 1, 2026 · Amount on Record |
| Prior Sale | Sep 11, 2024 · Amount on Record |
| Deed Document Number | 20266539 |
| Prior Transfer Date | Aug 23, 2023 |
| Prior Transfer Doc | 0000016711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 1, 2026 |
| Property Address | 845 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000006539 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 20266539 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $102,373.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 845 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000006540, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 20266540 |
| Name | WINTRUST MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000006541, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 20266541 |
| Name | WINTRUST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Apr 1, 2036 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 24, 2023 |
| Property Address | 845 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000016711 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 2023R016711 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 845 CHARLES ST, WILLOWICK, OH 44095-4303 |
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 | $5,876.00 (+8.01%) | $79,110 (+50.63%) Land $12,850 Building $66,260 | $226,020 (+50.65%) Land $36,720 Building $189,300 |
| 2023 | $5,440.00 (+43.88%) Homeowner's exemption | $52,520 (-) Land $11,170 Building $41,350 | |
| 2022 | $3,781.00 Homeowner's exemption | $52,520 Land $11,170 Building $41,350 | |
| 2021 | $150,030 Land $31,900 Building $118,130 |
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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures