Lake County property record for 8978 Elm St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,894 sqft · built 1935 |
| Lot Size | 0.448 acres (19,519 sqft) |
| Owner | Owner Name on File |
| Last Sale | $99,500 (Oct 2000) |
| Tax Bill | $10,002 (2023) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-B-00-007-0 |
| Primary APN | 20-A-006-B-00-007-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,894 sqft Living Area |
| Gross Area | 4,076 sqft |
| 1st Floor Area | 728 sqft |
| Attic Area | 399 sqft |
| Basement Area | 1,182 sqft |
| Unfinished Basement | 1,182 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,519 sqft (0.448 acres) |
| Lot Dimensions | 244 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 726 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 328 sqft |
| Patio Area | 176 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Canopy | 144 sqft |
| Utility Building | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 7 |
|---|---|
| Street Address | 8978 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 Lot Number | 27 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WAITE HILL |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 206400 |
The current owner of 8978 Elm St bought it in October 2000.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 8978 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Jun 10, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 1, 2020 | Deed of Trust, Mortgage · VA Mortgage UNION CAPITAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2000 · Amount on File |
| Deed Sale | Oct 6, 2000 · Amount on File |
| Prior Sale | Mar 7, 1996 · Amount on File |
| Deed Document Number | 3859 |
| Deed Book / Page | 20 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8978 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019775 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021R019775 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8978 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014027 |
|---|---|
| Date | Jun 1, 2020 |
| Instrument | 2020R014027 |
| Name | UNION CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MENTOR, OH 44060 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
Source: Lake County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Waite Hill Village |
| Unified School District | Kirtland Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $10,002.00 (+101.82%) Homeowner's exemption | $95,520 (-) Land $19,370 Building $76,150 | |
| 2022 | $4,956.00 Homeowner's exemption | $95,520 Land $19,370 Building $76,150 | |
| 2021 | $272,910 Land $55,350 Building $217,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8978 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 8978 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 |
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