Lake County property record for 9180 White Oak Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,823 sqft · built 1995 |
| Lot Size | 3.07 acres (134,165 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $439,900 (Aug 2017) |
| Tax Bill | $17,350 (2023) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-A-007-C-00-018-0 |
| Primary APN | 20-A-007-C-00-018-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,823 sqft Living Area |
| 1st Floor Area | 2,823 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Lot Area | 134,165 sqft (3.07 acres) |
| Garage Area | 736 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 284 sqft |
| Patio Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | B 38 |
|---|---|
| Street Address | 9180 WHITE OAK RD |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-9753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33, 34 & 35 TRACT 1 |
| Legal Subdivision | RIVER OAKS ESTATES SUB PH 111 B |
| Legal Tract | 1 |
| Legal Lot Number | 42 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | KIRTLAND |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 203700 |
9180 White Oak Rd is owned and occupied by two individuals who bought it in August 2017.
Source: Lake County records, as of April 25, 2024
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9180 WHITE OAK RD, KIRTLAND, OH 44094-9753 |
| 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 |
|---|---|
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jul 16, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 10, 2017 | Grant Deed, Transfer · Conventional Mortgage CARTUS HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2017 · Amount on File |
| Deed Sale | Aug 10, 2017 · Amount on File |
| Prior Sale | Apr 2, 2015 |
| Deed Document Number | 3141 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 9180 WHITE OAK RD, WILLOUGHBY, OH 44094-9753 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000004849 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 2021R004849 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 9180 WHITE OAK RD, KIRTLAND, OH 44094-9753 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019261 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 2020R019261 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 10, 2017 |
| Property Address | 9180 WHITE OAK RD, KIRTLAND, OH 44094-9753 |
| Document Number | 0000021149 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 21149 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Title Company | ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,759.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9180 WHITE OAK RD KIRTLAND OH 440949753, KIRTLAND, OH 44094-9753 |
| Document Number | 21150 |
|---|---|
| Date | Aug 10, 2017 |
| Instrument | 21150 |
| Name | CARTUS HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 9, 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 | $17,350.00 (+102.24%) Homeowner's exemption | $165,680 (-) Land $52,290 Building $113,390 | |
| 2022 | $8,579.00 Homeowner's exemption | $165,680 Land $52,290 Building $113,390 | |
| 2021 | $473,380 Land $149,410 Building $323,970 |
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.
FEMA maps place 9180 White Oak Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1989.
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 | 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 risk around 9180 White Oak Rd is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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