8649 Cardinal Dr, Willoughby, OH 44094 Property Records

Lake County property record for 8649 Cardinal Dr, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,715 sqft · built 1995
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Jan 2019)
Tax Bill	$18,418 (2023)
Deeds & Mortgages	May 2020 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-007-C-00-002-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-007-C-00-002-0`
Alternative APN	`A 79`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,715 sqft Living Area
1st Floor Area	1,553 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	87,556 sqft (2.01 acres)
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	62 sqft
Deck Area	671 sqft
Patio Area	350 sqft
Balcony	Balcony
Balcony Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	A 79
Street Address	8649 CARDINAL DR
City	WILLOUGHBY
State	OH
Zip	44094-9747
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	2
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	3
Census Block	3016
Census Tract	203700

Owner

Source: Lake County records, as of April 25, 2024

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

Owner of Record	2 Individual Names on Record
Mailing Address	8649 CARDINAL DR, WILLOUGHBY, OH 44094-9747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 3, 2019	Grant Deed, Transfer · Conventional with PMI FIRST FED'L S&L/LAKEWOOD
Feb 14, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	Jun 30, 1995 · Amount on Record
Deed Document Number	441039
Record Updated	Jun 7, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8649 CARDINAL DR, WILLOUGHBY, OH 44094-9747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011489
Date	May 7, 2020
Instrument	2020R011489

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE OH
Recording Date	Jan 3, 2019
Property Address	8649 CARDINAL DR, WILLOUGHBY, OH 44094-9747
Document Number	0000000163
Instrument Date	Dec 27, 2018
Instrument	163
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,060.00
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	8649 CARDINAL DR KIRTLAND OH 440949747, KIRTLAND, OH 44094-9747

Mortgage

Document Number	164
Date	Jan 3, 2019
Instrument	164

Lender

Name	FIRST FED'L S&L/LAKEWOOD
Type	Federal Savings Bank
Address	LAKEWOOD, OH 44107

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	8649 CARDINAL DR, WILLOUGHBY, OH 44094-9747
Document Number	0000004546
Instrument Date	Feb 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8649 CARDINAL DR KIRTLAND OH 440949747, KIRTLAND, OH 44094-9747

Mortgage

Document Number	0000004546
Date	Feb 26, 2018
Instrument	4546

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Adjustable Rate

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	$18,418.00 (+102.46%) Homeowner's exemption	$175,880 (-) Land $47,360 Building $128,520
2022	$9,097.00 Homeowner's exemption	$175,880 Land $47,360 Building $128,520
2021			$502,520 Land $135,310 Building $367,210

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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