Lake County property record for 8979 Elm St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,356 sqft · built 1938 |
| Lot Size | 0.448 acres (19,519 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $292,000 (Jul 2017) |
| Tax Bill | $8,970 (2023) |
| Deeds & Mortgages | Apr 2022 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-B-00-017-0 |
| Primary APN | 20-A-006-B-00-017-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,356 sqft Living Area |
| Gross Area | 2,728 sqft |
| 1st Floor Area | 806 sqft |
| Basement Area | 372 sqft |
| Unfinished Basement | 372 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 19,519 sqft (0.448 acres) |
| Lot Dimensions | 244 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 19 |
|---|---|
| Street Address | 8979 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 | 38 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 203700 |
Source: Lake County records, as of April 25, 2024
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 8979 ELM ST, KIRTLAND, OH 44094-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2022 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION CAPITAL MORTGAGE CORP |
| Jul 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2017 · Amount on Record |
| Deed Sale | Jul 26, 2017 · Amount on Record |
| Prior Sale | May 31, 2006 · Amount on Record |
| Deed Document Number | 2876 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8979 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | THIRD CAPITAL |
| Name | Verified Name |
|---|
| Document Number | 0000012202 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022R012202 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 8979 ELM ST, KIRTLAND, OH 44094-9240 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | DIAMOND TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000028345 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 2020R028345 |
| Name | UNION CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MENTOR, OH 44060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 26, 2017 |
| Property Address | 8979 ELM ST, KIRTLAND, OH 44094-9240 |
| Document Number | 0000019576 |
| Map Reference | VOL C PG63 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 2017R019576 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| 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 |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 8979 ELM ST, WILLOUGHBY, OH 44094-9240 |
| Document Number | 0000019577 |
|---|---|
| Date | Jul 26, 2017 |
| Instrument | 2017R019577 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $8,970.00 (+101.62%) Homeowner's exemption | $85,660 (-) Land $19,370 Building $66,290 | |
| 2022 | $4,449.00 Homeowner's exemption | $85,660 Land $19,370 Building $66,290 | |
| 2021 | $244,740 Land $55,350 Building $189,390 |
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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