Lake County property record for 862 Cherokee Trl, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 1942 |
| Lot Size | 0.096 acres (4,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Oct 2025) |
| Tax Bill | $3,353 (2024) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-057-P-00-003-0 |
| Primary APN | 27-B-057-P-00-003-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Lot Area | 4,199 sqft (0.096 acres) |
| Lot Dimensions | 100 ft deep x 42 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 484 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 32 |
|---|---|
| Street Address | 862 CHEROKEE TRL |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 1 & 4 DOUGLASS & 16 TRACT |
| Legal Subdivision | ARROWHEAD BEACH ALLOTMENT |
| Legal Tract | 16 |
| Legal Block | 6 |
| Legal Lot Number | 52 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 201700 |
862 Cherokee Trl is owned and occupied by an individual who bought it in October 2025.
Source: Lake County records, as of October 13, 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 |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 862 CHEROKEE TRL, WILLOUGHBY, OH 44094-7207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on File |
| Deed Sale | Oct 1, 2025 · Amount on File |
| Prior Sale | Aug 26, 2004 · Amount on File |
| Deed Document Number | 2025R021732 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 1, 2025 |
| Property Address | 862 CHEROKEE TRL, WILLOUGHBY, OH 44094-7207 |
| Document Number | 0000021732 |
| Map Reference | VOL E PG 13 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 2025R021732 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| 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 | 862 CHEROKEE TRL, WILLOUGHBY, OH 44094-7207 |
| Document Number | 0000021733 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 2025R021733 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2045 |
Source: Lake County assessment roll, as of August 1, 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,353.00 (-24.45%) Homeowner's exemption | $61,400 (+30.97%) Land $9,360 Building $52,040 | $175,440 Land $26,750 Building $148,690 |
| 2023 | $4,438.00 (+53.46%) Homeowner's exemption | $46,880 (-) Land $7,930 Building $38,950 | |
| 2022 | $2,892.00 Homeowner's exemption | $46,880 Land $7,930 Building $38,950 | |
| 2021 | $133,960 Land $22,670 Building $111,290 |
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.
FEMA maps place 862 Cherokee Trl 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.
The area around 862 Cherokee Trl has no burnable land within ember reach, so its wildfire risk is not rated.
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 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.
5G (outdoors only) and 4G LTE
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