9131 Florance Rd, Willoughby, OH 44094 Property Records

Lake County property record for 9131 Florance Rd, Willoughby, OH 44094

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,280 sqft · built 1948
Lot Size	15.4 acres (673,873 sqft)
Owner	Individual Name on Record
Tax Bill	$6,623 (2023)
Deeds & Mortgages	May 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-006-0-00-003-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-006-0-00-003-0`
Alternative APN	`G 20`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Gross Area	1,616 sqft
1st Floor Area	944 sqft
Basement Area	336 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	673,873 sqft (15.4 acres)
View / Lot	Restrictions

Exterior Amenities

Porch	Open Frame Porch
Porch Area	360 sqft
Deck Area	200 sqft
Patio Area	372 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	9131 FLORANCE RD
City	WILLOUGHBY
State	OH
Zip	44094-9235
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-3
Legal Description	LOT 31 TRACT 1
Legal Subdivision	MCNEIL
Legal Tract	1
Legal Block	3
Legal Lot Number	31
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	3
Census Block	3021
Census Tract	203700

Owner

Source: Lake County records, as of June 3, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	9131 FLORANCE RD, WILLOUGHBY, OH 44094-9235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 23, 2021	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Jul 19, 2018	Fiduciary Deed, Transfer · FHA Mortgage NOIC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 1985
Deed Sale	Apr 3, 1985
Last Transfer Date	Jun 18, 2018
Transfer Doc	0000015284
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	May 22, 2026
Property Address	9131 FLORANCE RD, WILLOUGHBY, OH 44094-9235
Document Number	0000010948
Instrument Date	May 15, 2026
Instrument	202610948
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9131 FLORANCE RD, WILLOUGHBY, OH 44094-9235

Mortgage

Document Number	0000010948,
Date	May 22, 2026
Instrument	202610948

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	9131 FLORANCE RD, WILLOUGHBY, OH 44094-9235
Transaction Type	Mortgage
Record Updated	Dec 31, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041277
Date	Nov 23, 2021
Instrument	2021R041277

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2018: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LAKE OH
Recording Date	Jul 19, 2018
Property Address	9131 FLORANCE RD, WILLOUGHBY, OH 44094-9235
Document Number	0000018097
Instrument Date	Jul 19, 2018
Instrument	2018R018097
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	LAWYERS TITLE OF CHARDON

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9131 FLORENCE RD, WILLOUGHBY, OH 44094-9235

Mortgage

Document Number	0000018098
Date	Jul 19, 2018
Instrument	2018R018098

Lender

Name	NOIC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

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
2025		$90,620 (+43.27%) Land $45,810 Building $44,810	$258,910 (+43.27%) Land $130,890 Building $128,020
2023	$6,623.00 (+89.66%) Homeowner's exemption	$63,250 (-) Land $31,540 Building $31,710
2022	$3,492.00 Homeowner's exemption	$63,250 Land $31,540 Building $31,710
2021			$180,720 Land $90,110 Building $90,610

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.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1989)
Most Recent Claim	May 1989 · Severe Storms & Flooding

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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