Lake County property record for 8971 Elm St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,004 sqft · built 2008 |
| Lot Size | 0.448 acres (19,519 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $510,000 (Sep 2021) |
| Tax Bill | $9,880 (2024) |
| Deeds & Mortgages | Dec 2025 Transfer Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-B-00-016-0 |
| Primary APN | 20-A-006-B-00-016-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,004 sqft Living Area |
| Gross Area | 4,146 sqft |
| 1st Floor Area | 780 sqft |
| Basement Area | 1,480 sqft |
| Finished Basement | 338 sqft |
| Unfinished Basement | 1,142 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 19,519 sqft (0.448 acres) |
| Lot Dimensions | 244 ft deep x 80 ft wide |
| View / Lot | Extra Front |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 85 sqft |
| Patio Area | 516 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 8971 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 |
Source: Lake County records, as of January 5, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 8971 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 23, 2025 | Intrafamily Transfer, Transfer |
| Sep 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2021 · Amount on Record |
| Deed Sale | Sep 28, 2021 · Amount on Record |
| Prior Sale | Apr 20, 2007 · Amount on Record |
| Deed Document Number | 202134246 |
| Last Transfer Date | Dec 23, 2025 |
| Transfer Doc | 0000028854 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Dec 23, 2025 |
| Property Address | 8971 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000028854 |
| Map Reference | VOL C PG 63 |
| Instrument Date | Dec 23, 2025 |
| Instrument | 2025R028854 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 8971 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 28, 2021 |
| Property Address | 8971 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000034246 |
| Map Reference | VOL C PG 63 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021R034246 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2021 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 | 6200 PARK AVE, DES MOINES, IA 50321-1270 |
| Document Number | 0000034247 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 2021R034247 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $217,000 (-) Land $22,390 Building $194,610 | $620,000 (-) Land $63,960 Building $556,040 | |
| 2024 | $9,880.00 (-42.66%) Homeowner's exemption | $217,000 (+31.88%) Land $22,390 Building $194,610 | $620,000 (+31.88%) Land $63,960 Building $556,040 |
| 2023 | $17,230.00 (+102.54%) Homeowner's exemption | $164,540 (-) Land $19,370 Building $145,170 | |
| 2022 | $8,507.00 Homeowner's exemption | $164,540 Land $19,370 Building $145,170 | |
| 2021 | $470,130 Land $55,350 Building $414,780 |
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.
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 | 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.
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 |
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