Lake County property record for 8943 Elm St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,733 sqft · built 1950 |
| Lot Size | 0.448 acres (19,519 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Dec 2023) |
| Tax Bill | $9,108 (2023) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Nov 2023 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-B-00-012-0 |
| Primary APN | 20-A-006-B-00-012-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,733 sqft Living Area |
| Gross Area | 4,188 sqft |
| 1st Floor Area | 1,278 sqft |
| Basement Area | 1,455 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,519 sqft (0.448 acres) |
| Lot Dimensions | 244 ft deep x 80 ft wide |
| Garage Area | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 400 sqft |
| Pole Barn | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 8943 ELM ST |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 30 TRACT 1 |
| Legal Subdivision | SECOND POWELL ALLOTMENT |
| Legal Tract | 1 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 203700 |
8943 Elm St is owned and occupied by two individuals who bought it in December 2023.
Source: Lake County records, as of December 30, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Nov 17, 2023 | Correction Deed QUICK SILVA TITLE AND ESCROW, QUCKSILVA TITLE AND ESCROW |
| Jun 12, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FSLA OF CLEVELAND |
| Dec 16, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Apr 11, 2017 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2023 · Amount on File |
| Deed Sale | Dec 26, 2023 · Amount on File |
| Prior Sale | Apr 11, 2017 · Amount on File |
| Deed Document Number | 202325614 |
| Prior Transfer Date | Nov 13, 2023 |
| Prior Transfer Doc | 0000023236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 26, 2023 |
| Property Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000025614 |
| Map Reference | VOL C PG 63 |
| Instrument Date | Dec 20, 2023 |
| Instrument | 2023R025614 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2024 |
| Title Company | TITLE PROFESSIONALS, TITLE PROFESSIONALS GROUP |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 8943 ELM ST, KIRTLAND, OH 44094-9240 |
| Document Number | 0000025615 |
|---|---|
| Date | Dec 26, 2023 |
| Instrument | 2023R025615 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Nov 17, 2023 |
| Property Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000023236 |
| Map Reference | VOL C PG 63 |
| Instrument Date | Nov 7, 2023 |
| Instrument | 2023R023236 |
| Record Updated | Nov 29, 2023 |
| Title Company | QUICK SILVA TITLE AND ESCROW, QUCKSILVA TITLE AND ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8943 ELM ST, KIRTLAND, OH 44094-9240 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000010904 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 2023R010904 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | May 24, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000043603 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 2021R043603 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2032 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 16, 2019 |
| Property Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000030988 |
| Map Reference | VOL C PG 63 |
| Instrument Date | Sep 23, 2019 |
| Instrument | 2019R030988 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | QUICKSILVA TITLE AND ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000030989 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 2019R030989 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Oct 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 11, 2017 |
| Property Address | 8943 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000009147 |
| Instrument Date | Apr 7, 2017 |
| Instrument | 9147 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8943 ELM ST KIRTLAND OH 440949240, KIRTLAND, OH 44094-9240 |
| Document Number | 9148 |
|---|---|
| Date | Apr 11, 2017 |
| Instrument | 9148 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2047 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Kirtland City |
| Unified School District | Kirtland Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $125,630 Land $22,390 Building $103,240 | $358,940 Land $63,960 Building $294,980 | |
| 2023 | $9,108.00 (+101.64%) Homeowner's exemption | $86,980 (-) Land $19,370 Building $67,610 | |
| 2022 | $4,517.00 Homeowner's exemption | $86,980 Land $19,370 Building $67,610 | |
| 2021 | $248,510 Land $55,350 Building $193,160 |
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 8943 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 8943 Elm St is low, with less than 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 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures