Lake County property record for 8517 Cardinal Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,252 sqft · built 1996 |
| Lot Size | 2.77 acres (120,661 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $21,821 (2023) |
| Deeds & Mortgages | Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-007-B-00-009-0 |
| Primary APN | 20-A-007-B-00-009-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 4,252 sqft Living Area |
| Gross Area | 4,588 sqft |
| 1st Floor Area | 1,564 sqft |
| Basement Area | 336 sqft |
| Unfinished Basement | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Combination |
| Lot Area | 120,661 sqft (2.77 acres) |
| Garage Area | 944 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 60 sqft |
| Patio Area | 912 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 69 |
|---|---|
| Street Address | 8517 CARDINAL DR |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 33, 34 & 35 TRACT 1 |
| Legal Subdivision | RIVER OAKS ESTATES SUB PH 111 A |
| Legal Tract | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 203700 |
Source: Lake County records, as of April 25, 2024
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 | 8517 CARDINAL DR, WILLOUGHBY, OH 44094-9746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2016 |
| Deed Sale | Jun 16, 2016 |
| Prior Sale | Jun 5, 1997 |
| Deed Document Number | 2016R015357 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8517 CARDINAL DR, WILLOUGHBY, OH 44094-9746 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000045370 |
|---|---|
| Date | Dec 29, 2021 |
| Instrument | 2021R045370 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Kirtland City |
| Unified School District | Kirtland Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $21,821.00 (+102.52%) Homeowner's exemption | $208,380 (-) Land $50,860 Building $157,520 | |
| 2022 | $10,775.00 Homeowner's exemption | $208,380 Land $50,860 Building $157,520 | |
| 2021 | $595,380 Land $145,320 Building $450,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (1989) |
| Most Recent Claim | May 1989 · Severe Storms & Flooding |
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 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2021–2023) 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 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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