8646 Cardinal Dr, Willoughby, OH 44094 Property Records

Lake County property record for 8646 Cardinal Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,540 sqft · built 1997
Lot Size	2.46 acres (107,158 sqft)
Owner	Individual Name on Record
Last Sale	$659,900 (Sep 2020)
Tax Bill	$10,949 (2024)
Deeds & Mortgages	Feb 2021 Line of Credit Nov 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-007-C-00-003-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-007-C-00-003-0`
Alternative APN	`B 4`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,540 sqft Living Area
1st Floor Area	920 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Contemporary
Exterior Material	Combination
Lot Area	107,158 sqft (2.46 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	270 sqft
Deck Area	230 sqft
Patio Area	1,224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	B 4
Street Address	8646 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 B
Legal Tract	1
Legal Lot Number	27
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	3
Census Block	3023
Census Tract	203700

Owner

Source: Lake County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8646 CARDINAL DR, KIRTLAND, OH 44094-9749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 5, 2025	Transfer on Death Deed, Transfer
Sep 24, 2020	Survivorship Deed, Transfer · ARM CITIZENS BANK NA
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Nov 14, 2017	Grant Deed, Transfer · Conventional Mortgage THIRD FED'L S&L/CLEVELAND
Nov 14, 2017	Quit Claim Deed, Transfer ALL TITLE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on Record
Deed Sale	Sep 24, 2020 · Amount on Record
Prior Sale	Nov 14, 2017 · Amount on Record
Deed Document Number	456273
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8646 CARDINAL DR, WILLOUGHBY, OH 44094-9749
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005511
Date	Feb 17, 2021
Instrument	2021R005511

Lender

Name	PNC BANK NA
Type	Bank
Address	MENTOR, OH 44060

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE OH
Recording Date	Nov 5, 2025
Property Address	8646 CARDINAL DR, WILLOUGHBY, OH 44094-9749
Document Number	0000024801
Map Reference	VOL 21 PG 41
Instrument Date	Oct 30, 2025
Instrument	2025R024801
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	8646 CARDINAL DR, KIRTLAND, OH 44094-9749

September 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAKE OH
Recording Date	Sep 24, 2020
Property Address	8646 CARDINAL DR, KIRTLAND, OH 44094-9749
Document Number	0000027595
Map Reference	VOL 21 PG 41
Instrument Date	Sep 22, 2020
Instrument	2020R027595
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	TITLE PROFESSIONAL GROUP LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Right of Survivorship

Mortgage

Document Number	0000027596
Date	Sep 24, 2020
Instrument	2020R027596

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8646 CARDINAL DR, KIRTLAND, OH 44094-9749
Document Number	0000007199
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Apr 15, 2020
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	8646 CARDINAL DR KIRTLAND OH 440949749, KIRTLAND, OH 44094-9749

Mortgage

Document Number	0000007199
Date	Mar 20, 2020
Instrument	7199

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

Interest

Rate Type	Adjustable Rate

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE OH
Recording Date	Nov 14, 2017
Property Address	8646 CARDINAL DR, KIRTLAND, OH 44094-9749
Document Number	0000031012
Instrument Date	Nov 13, 2017
Instrument	31012
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	ALL TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,140.00
Amount Accuracy	Confirmed
Additional	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	8646 CARDINAL DR KIRTLAND OH 440949749, KIRTLAND, OH 44094-9749

Mortgage

Document Number	31013
Date	Nov 14, 2017
Instrument	31013

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2047

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE OH
Recording Date	Nov 14, 2017
Property Address	8646 CARDINAL DR, KIRTLAND, OH 44094-9749
Document Number	0000031010
Instrument Date	Nov 7, 2017
Instrument	31010
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	ALL TITLE SOLUTIONS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	8646 CARDINAL DR KIRTLAND OH 440949749, KIRTLAND, OH 44094-9749

Tax Assessment & Valuation

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

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
2024	$10,949.00 (-48.5%) Homeowner's exemption	$240,260 (+18.34%) Land $58,370 Building $181,890	$686,470 (+18.34%) Land $166,780 Building $519,690
2023	$21,260.00 (+102.36%) Homeowner's exemption	$203,020 (-0.09%) Land $49,430 Building $153,590
2022	$10,506.00 Homeowner's exemption	$203,210 Land $49,430 Building $153,780
2021			$580,060 Land $141,240 Building $438,820

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 36 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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