8546 Hemlock Ridge Dr, Willoughby, OH 44094 Property Records

Lake County property record for 8546 Hemlock Ridge Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,254 sqft · built 1994
Lot Size	1.8 acres (78,408 sqft)
Owner	Company Name on File
Last Sale	$822,000 (Nov 2023)
Tax Bill	$18,941 (2023)
Deeds & Mortgages	Dec 2023 Line of Credit Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-007-A-00-091-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-007-A-00-091-0`
Alternative APN	`75`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,254 sqft Living Area
Gross Area	3,746 sqft
1st Floor Area	1,248 sqft
Basement Area	492 sqft
Unfinished Basement	492 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	78,408 sqft (1.8 acres)
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	244 sqft
Deck Area	510 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	75
Street Address	8546 HEMLOCK RIDGE DR
City	WILLOUGHBY
State	OH
Zip	44094-8643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 46, 47, 48 & 49 TRACT 1 LOT 18, 19, 20 & 21 TRACT 2
Legal Subdivision	REGENCY WOODS SUBDIVISION
Legal Tract	1
Legal Lot Number	75
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	3
Census Block	3023
Census Tract	203700

Owner

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	Company Name on File
Co-owner	2 Co-owners on File
Mailing Address	8546 HEMLOCK RIDGE DR, WILLOUGHBY, OH 44094-8643
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 16, 2023	Warranty Deed, Transfer OHIO REAL TITLE
Sep 21, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Nov 16, 2023 · Amount on File
Deed Sale	Nov 16, 2023 · Amount on File
Prior Sale	Jul 29, 2015 · Amount on File
Deed Document Number	485627
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8546 HEMLOCK RIDGE DR, WILLOUGHBY, OH 44094-8643
Transaction Type	Mortgage
Record Updated	Jan 4, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025483
Date	Dec 21, 2023
Instrument	2023R025483

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Nov 16, 2023
Property Address	8546 HEMLOCK RIDGE DR, WILLOUGHBY, OH 44094-8643
Document Number	0000023168
Map Reference	VOL 13 PG 23
Instrument Date	Nov 13, 2023
Instrument	2023R023168
Transaction Type	Transfer
Record Updated	Nov 27, 2023
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1364 GASPARILLA DR, FORT MYERS, FL 33901-7712

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8546 HEMLOCK RIDGE DR, WILLOUGHBY, OH 44094-8643
Transaction Type	Mortgage
Record Updated	Oct 4, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8546 HEMLOCK RIDGE DR, KIRTLAND, OH 44094-8643

Mortgage

Document Number	0000018875
Date	Sep 21, 2023
Instrument	2023R018875

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 25, 2053

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Kirtland City
Unified School District	Kirtland Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$18,941.00 (+102.51%) Homeowner's exemption	$180,880 (-) Land $46,390 Building $134,490
2022	$9,353.00 Homeowner's exemption	$180,880 Land $46,390 Building $134,490
2021			$516,800 Land $132,540 Building $384,260

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.

Flood

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.

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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