Lake County property record for 8686 Cardinal Dr, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,200 sqft · built 1995 |
| Lot Size | 2.85 acres (124,582 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $15,244 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-007-C-00-006-0 |
| Primary APN | 20-A-007-C-00-006-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,200 sqft Living Area |
| Gross Area | 4,456 sqft |
| 1st Floor Area | 704 sqft |
| Basement Area | 1,256 sqft |
| Unfinished Basement | 1,256 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 124,582 sqft (2.85 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 624 sqft |
| Deck Area | 764 sqft |
| Patio Area | 764 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 1 |
|---|---|
| Street Address | 8686 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 | 30 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 203700 |
Source: Lake County records · APN 20-A-007-C-00-006-0
Assessment roll updated August 1, 2023 · Last verified May 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8686 CARDINAL DR, KIRTLAND, OH 44094-9749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Sep 02, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Sep 14, 1994 · Amount on Record |
| Last Transfer Date | Sep 02, 2022 |
| Transfer Doc | 0000024527 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8686 CARDINAL DR, WILLOUGHBY, OH 44094-9749 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000035705 |
|---|---|
| Date | Oct 08, 2021 |
| Instrument | 2021R035705 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jul 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 02, 2022 |
| Property Address | 8686 CARDINAL DR, WILLOUGHBY, OH 44094-9749 |
| Document Number | 0000024527 |
| Map Reference | VOL 21 PG 41 |
| Instrument Date | Aug 17, 2022 |
| Instrument | 2022R024527 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8686 CARDINAL DR, WILLOUGHBY, OH 44094-9749 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Kirtland City |
| Unified School District | Kirtland Local School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $15,244.00 (+114.92%) Homeowner's exemption Senior Citizen's exemption | $145,570 (-) Land $51,280 Building $94,290 | |
| 2022 | $7,093.00 Homeowner's exemption Senior Citizen's exemption | $145,570 Land $51,280 Building $94,290 | |
| 2021 | $415,920 Land $146,510 Building $269,410 |
Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 36 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | AQUA OHIO - MENTOR private · serves 74,500 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2023 |
| Lead | Under 1 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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