8994 Elm St, Willoughby, OH 44094 Property Records

Lake County property record for 8994 Elm St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,518 sqft · built 1920
Lot Size	0.448 acres (19,519 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,446 (2023)
Deeds & Mortgages	Mar 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`20-A-006-B-00-006-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-006-B-00-006-0`
Alternative APN	`B 6`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,518 sqft Living Area
1st Floor Area	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	19,519 sqft (0.448 acres)
Lot Dimensions	244 ft deep x 80 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	810 sqft
Patio Area	292 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	B 6
Street Address	8994 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	26
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	1
Census Block	1007
Census Tract	203700

Owner

Source: Lake County records, as of April 25, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8994 ELM ST, WILLOUGHBY, OH 44094-9240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2003
Deed Sale	Jan 29, 2003
Deed Document Number	E326
Record Updated	Jun 7, 2026

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE OH
Property Address	8994 ELM ST, WILLOUGHBY, OH 44094-9240
Document Number	0000007858
Instrument Date	Mar 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8994 ELM ST KIRTLAND OH 440949240, KIRTLAND, OH 44094-9240

Mortgage

Document Number	0000007858
Date	Mar 28, 2017
Instrument	7858

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Mar 27, 2057

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Kirtland City
Unified School District	Kirtland Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$10,446.00 (+121.13%) Homeowner's exemption Senior Citizen's exemption	$99,760 (-) Land $19,370 Building $80,390
2022	$4,724.00 Homeowner's exemption Senior Citizen's exemption	$99,760 Land $19,370 Building $80,390
2021			$285,030 Land $55,350 Building $229,680

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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