Lake County property record for 9040 Elm St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,764 sqft · built 1974 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,602 (2023) |
| Deeds & Mortgages | Jul 2021 Transfer Jan 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-006-A-00-084-0 |
| Primary APN | 20-A-006-A-00-084-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Living Area |
| Gross Area | 1,529 sqft |
| 1st Floor Area | 1,176 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Lot Area | 48,787 sqft (1.12 acres) |
| Lot Dimensions | 250 ft deep x 100 ft wide |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 100 sqft |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | D 134 |
|---|---|
| Street Address | 9040 ELM ST |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 30 TRACT 1 PART OF S/L 19, 20, & 21 |
| Legal Subdivision | FIRST POWELL ALLOTMENT |
| Legal Tract | 1 |
| Legal Lot Number | 30 20 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 203700 |
9040 Elm St is owned and occupied by an individual who acquired it in July 2021.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9040 ELM ST, KIRTLAND, OH 44094-9243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 21, 2021 | Correction Deed |
| Jan 25, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage REORGANIZED CH OF JESUS CHRIST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2021 |
| Deed Sale | Jul 21, 2021 |
| Deed Document Number | 464270 |
| Record Updated | Jun 7, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 21, 2021 |
| Property Address | 9040 ELM ST, WILLOUGHBY, OH 44094-9243 |
| Document Number | 0000025007 |
| Map Reference | VOL A PG 68 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 2021R025007 |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9040 ELM ST, WILLOUGHBY, OH 44094-9243 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 9040 ELM ST, WILLOUGHBY, OH 44094-9243 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000002550 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 2021R002550 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 29, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 9040 ELM ST, WILLOUGHBY, OH 44094-9243 |
| Document Number | 0000017534 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 9040 ELM ST KIRTLAND OH 440949243, KIRTLAND, OH 44094-9243 |
| Document Number | 0000017534 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 17534 |
| Name | REORGANIZED CH OF JESUS CHRIST |
|---|---|
| Address | 1001 W WALNUT ST, INDEPENDENCE, MO 64050-3562 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2048 |
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 | $6,602.00 (+95.67%) Homeowner's exemption | $63,050 (-) Land $13,440 Building $49,610 | |
| 2022 | $3,374.00 | $63,050 Land $13,440 Building $49,610 | |
| 2021 | $180,140 Land $38,400 Building $141,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9040 Elm St in Zone X, an area of minimal flood risk.
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 risk around 9040 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