Lake County property record for 8545 Billings Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,750 sqft · built 1845 |
| Lot Size | 3.81 acres (166,046 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Sep 1999) |
| Tax Bill | $11,217 (2023) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-021-0-00-034-0 |
| Primary APN | 20-A-021-0-00-034-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,750 sqft Living Area |
| 1st Floor Area | 748 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1845 |
|---|---|
| Effective Year Built | Effective 1845 |
| Architectural Style | Old Style |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 166,046 sqft (3.81 acres) |
| Garage Type | Detached |
| Garage Area | 760 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 40 sqft |
| Tennis Court | Tennis Court |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 8545 BILLINGS RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 81 TRACT 3 |
| Legal Tract | 3 |
| Legal Block | 1 |
| Legal Lot Number | 81 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 206400 |
8545 Billings Rd is owned and occupied by two individuals who acquired it in June 2000.
Source: Lake County records, as of June 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8545 BILLINGS RD, WILLOUGHBY, OH 44094-6829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Jun 1, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Dec 10, 2020 | Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND |
| Dec 14, 2020 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 1999 · Amount on File |
| Deed Sale | Sep 3, 1999 · Amount on File |
| Deed Document Number | 199942409 |
| Last Transfer Date | Jun 14, 2000 |
| Transfer Doc | 0000026288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 9, 2026 |
| Property Address | 8545 BILLINGS RD, WILLOUGHBY, OH 44094-6829 |
| Document Number | 0000012323 |
| Instrument Date | May 22, 2026 |
| Instrument | 202612323 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | THIRD CAPITAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 8545 BILLINGS RD, WILLOUGHBY, OH 44094-6829 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012323, |
|---|---|
| Date | Jun 9, 2026 |
| Instrument | 202612323 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 22, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8545 BILLINGS RD, WILLOUGHBY, OH 44094-6829 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014194 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 2017R014194 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8545 BILLINGS RD, WILLOUGHBY, OH 44094-6829 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000036754 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 2020R036754 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8545 BILLINGS RD, WILLOUGHBY, OH 44094-6829 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000037046 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2020R037046 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $139,180 Land $57,470 Building $81,710 | $397,660 Land $164,210 Building $233,450 | |
| 2023 | $11,217.00 (+96.69%) Homeowner's exemption | $107,120 (-) Land $45,900 Building $61,220 | |
| 2022 | $5,703.00 | $107,120 Land $45,900 Building $61,220 | |
| 2021 | $306,040 Land $131,130 Building $174,910 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8545 Billings Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 | 2 (1978–2006) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2006 · Severe Storms, Straight Line Winds, And 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.
Wildfire risk around 8545 Billings Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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