8590 Cardinal Dr, Willoughby, OH 44094 Property Records

Lake County property record for 8590 Cardinal Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,756 sqft · built 1996
Lot Size	2.02 acres (87,991 sqft)
Owner	2 Trust Names on File
Last Sale	$110,000 (Sep 1995)
Tax Bill	$20,620 (2023)
Deeds & Mortgages	Aug 2026 Transfer Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-007-B-00-023-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-007-B-00-023-0`
Alternative APN	`6`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,756 sqft Living Area
Gross Area	3,684 sqft
1st Floor Area	1,408 sqft
Attic	Attic
Attic Area	720 sqft
Basement Area	1,108 sqft
Finished Basement	900 sqft
Unfinished Basement	208 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	87,991 sqft (2.02 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	92 sqft
Deck Area	720 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	8590 CARDINAL DR
City	WILLOUGHBY
State	OH
Zip	44094-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33, 34 & 35 TRACT 1
Legal Subdivision	RIVER OAKS ESTATES SUB PH 111 A
Legal Tract	1
Legal Block	3
Legal Lot Number	25
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	3
Census Block	3023
Census Tract	203700

Owner

8590 Cardinal Dr is owner-occupied and held in a trust since September 1995.

Source: Lake County records, as of August 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	8590 CARDINAL DR, WILLOUGHBY, OH 44094-9749
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage US MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 1995 · Amount on File
Deed Sale	Sep 19, 1995 · Amount on File
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Aug 17, 2026
Property Address	8590 CARDINAL DR, WILLOUGHBY, OH 44094-9749
Document Number	0000018593
Instrument Date	Aug 12, 2026
Instrument	202618593
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8590 CARDINAL DR, WILLOUGHBY, OH 44094-9749

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8590 CARDINAL DR, WILLOUGHBY, OH 44094-9749
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	TITLECORP, TITLECO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8590 CARDINAL DR, KIRTLAND, OH 44094-9749

Mortgage

Document Number	0000003616
Date	Feb 24, 2026
Instrument	2026R003616

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8590 CARDINAL DR, WILLOUGHBY, OH 44094-9749
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011557
Date	Apr 6, 2021
Instrument	2021R011557

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$237,020 Land $55,970 Building $181,050	$677,200 Land $159,910 Building $517,290
2023	$20,620.00 (+102.57%) Homeowner's exemption	$196,910 (-) Land $47,400 Building $149,510
2022	$10,179.00 Homeowner's exemption	$196,910 Land $47,400 Building $149,510
2021			$562,600 Land $135,440 Building $427,160

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8590 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1989.

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

Wildfire risk around 8590 Cardinal Dr is low, with 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 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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