Lake County property record for 853 Charles St, Willowick, OH 44095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 930 sqft · built 1961 |
| Lot Size | 0.176 acres (7,697 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $113,685 (Aug 2019) |
| Tax Bill | $4,564 (2023) |
| Deeds & Mortgages | Aug 2022 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-A-039-M-03-002-0 |
| Primary APN | 28-A-039-M-03-002-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 930 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Game Room | Game Room |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| 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 | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 180 sqft |
|---|---|
| Balcony | Balcony |
| Balcony Area | 18 sqft |
| Canopy | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | L 34 |
|---|---|
| Street Address | 853 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 | 40 4 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOWICK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 200400 |
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 | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Sep 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 15, 2019 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jun 10, 2019 | Affidavit of Death, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2019 · Amount on Record |
| Deed Sale | Aug 15, 2019 · Amount on Record |
| Prior Sale | Jun 10, 2019 |
| Deed Document Number | 446453 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000024069 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022R024069 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Amount | Amount Recorded |
|---|---|
| Term | 358 Months |
| Due | Jun 17, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000033520 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 2021R033520 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 15, 2019 |
| Property Address | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000019288 |
| Map Reference | VOL M PG 96 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 2019R019288 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | LAWYERS TTL AGCY OF CHARDON |
| 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 | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000019289 |
|---|---|
| Date | Aug 15, 2019 |
| Instrument | 2019R019289 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 10, 2019 |
| Property Address | 853 CHARLES ST, WILLOWICK, OH 44095-4303 |
| Document Number | 0000012977 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 12977 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 853 CHARLES ST WILLOWICK OH 440954303, WILLOWICK, OH 44095-4303 |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,564.00 (+40.13%) Homeowner's exemption | $44,060 (-) Land $11,170 Building $32,890 | |
| 2022 | $3,257.00 | $44,060 Land $11,170 Building $32,890 | |
| 2021 | $125,880 Land $31,900 Building $93,980 |
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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