856 Orchard Rd, Willoughby, OH 44094 Property Records

Lake County property record for 856 Orchard Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 2018
Lot Size	0.092 acres (4,051 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Oct 2025)
Tax Bill	$4,249 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2024 Mortgage + 12 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-057-F-00-013-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-057-F-00-013-0`
Alternative APN	`C 9`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
Gross Area	932 sqft
1st Floor Area	932 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,051 sqft (0.092 acres)
Lot Dimensions	90 ft deep x 45 ft wide
Garage Area	420 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	C 9
Street Address	856 ORCHARD RD
City	WILLOUGHBY
State	OH
Zip	44094-7249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 4 DOUGLASS TRACT
Legal Subdivision	LAKE FOREST PARK SUBDIVISION
Legal Block	4
Legal Lot Number	34
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	3
Census Block	3000
Census Tract	201700

Owner

856 Orchard Rd is owned and occupied by an individual who bought it in October 2025.

Source: Lake County records, as of November 3, 2025

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	Individual Name on File
Mailing Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 21, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Feb 21, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 23, 2025	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Apr 27, 2018	Deed of Trust, Mortgage · USDA Mortgage INDEPENDENCE BANK
Mar 20, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Sep 10, 2019	Deed of Trust, Mortgage QUICKEN LNS
Sep 17, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Sep 17, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI QUICKEN LNS
Feb 22, 2018	Quit Claim Deed, Transfer LAWYERS TITLE/CHARDON
Sep 11, 2017	Quit Claim Deed, Subdivision Related Transfer LAWYERS TITLE
Aug 18, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2025 · Amount on File
Deed Sale	Oct 23, 2025 · Amount on File
Prior Sale	Sep 17, 2018 · Amount on File
Deed Document Number	2025R023591
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030313
Date	Aug 30, 2021
Instrument	2021R030313

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000005996
Date	Apr 1, 2024
Instrument	2024R005996

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Mar 28, 2034

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000022902
Date	Nov 12, 2024
Instrument	2024R022902

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 1, 2049

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000001131
Date	Jan 21, 2025
Instrument	2025R001131

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000003218
Date	Feb 21, 2025
Instrument	2025R003218

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Oct 23, 2025
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000023591
Map Reference	VOL D PG 53
Instrument Date	Oct 20, 2025
Instrument	2025R023591
Transaction Type	Transfer
Record Updated	Nov 4, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV 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
Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000023592
Date	Oct 23, 2025
Instrument	2025R023592

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010148
Date	Apr 27, 2018
Instrument	2018R010148

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	INDEPENDENCE, OH 44131

Agreement

Type	USDA Mortgage
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000007618
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD WILLOUGHBY OH 440947249, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000007618
Date	Mar 25, 2020
Instrument	7618

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	144 Months
Due	Mar 24, 2032

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000022248
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD WILLOUGHBY OH 440947249, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	0000022248
Date	Sep 16, 2019
Instrument	22248

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 15, 2034

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Sep 17, 2018
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000023558
Instrument Date	Sep 13, 2018
Instrument	23558
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	856 ORCHARD RD WILLOUGHBY OH 440947249, WILLOUGHBY, OH 44094-7249

September 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Sep 17, 2018
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000023559
Instrument Date	Sep 13, 2018
Instrument	23559
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 15, 2019
Title Company	LAWYERS TITLE AGENCY/CHARDON, LAWYERS TITLE AGCY/CHARDON

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 ORCHARD RD WILLOUGHBY OH 440947249, WILLOUGHBY, OH 44094-7249

Mortgage

Document Number	23560
Date	Sep 17, 2018
Instrument	23560

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Feb 22, 2018
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000004294
Instrument Date	Jan 30, 2018
Instrument	4294
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	LAWYERS TITLE/CHARDON

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2175 N BAY DR WILLOUGHBY OH 440948058, WILLOUGHBY, OH 44094-8058

September 2017: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Sep 11, 2017
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000024218
Instrument Date	Sep 7, 2017
Instrument	24218
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 14, 2017
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2175 N BAY DR WILLOUGHBY OH 440948058, WILLOUGHBY, OH 44094-8058

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE OH
Recording Date	Aug 18, 2017
Property Address	856 ORCHARD RD, WILLOUGHBY, OH 44094-7249
Document Number	0000022002
Instrument Date	Jul 11, 2017
Instrument	22002
Transaction Type	Foreclosure
Record Updated	Sep 7, 2017

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2175 N BAY DR WILLOUGHBY OH 440948058, WILLOUGHBY, OH 44094-8058

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,249.00 (-23.05%)	$76,250 (+30.72%) Land $4,490 Building $71,760	$217,850 Land $12,830 Building $205,020
2023	$5,522.00 (+50.38%) Homeowner's exemption	$58,330 (-) Land $3,810 Building $54,520
2022	$3,672.00	$58,330 Land $3,810 Building $54,520
2021			$166,650 Land $10,880 Building $155,770

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

FEMA maps place 856 Orchard Rd in Zone X, an area of minimal flood risk, though there have been 11 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	2 in force
Nearby Flood Claims	11 (1978–1991)
Claims Outside the SFHA	3 of 11
Most Recent Claim	May 1991 · erosion

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

Wildfire risk around 856 Orchard Rd is low, with less than a 0.01% annual chance of wildfire.

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	Under 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	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

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 680 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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