9845 Chillicothe Rd, Willoughby, OH 44094 Property Records

Lake County property record for 9845 Chillicothe Rd, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,176 sqft · built 1954
Lot Size	0.82 acres (35,719 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Sep 2022)
Tax Bill	$7,483 (2023)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-A-011-A-00-008-0`

Property Details

APN / Parcel Number

Primary APN	`20-A-011-A-00-008-0`
Alternative APN	`D 63`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,176 sqft Living Area
Gross Area	1,416 sqft
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,719 sqft (0.82 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	350 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9845 CHILLICOTHE RD
City	WILLOUGHBY
State	OH
Zip	44094-9711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 14 TRACT 2
Legal Subdivision	ALPINE DRIVE
Legal Tract	2
Legal Block	1
Legal Lot Number	14
Jurisdiction	LAKE OH
Township / Civil Division	KIRTLAND
Census Block Group	1
Census Block	1008
Census Tract	206400

Owner

9845 Chillicothe Rd is owned by an individual who bought it in September 2022.

Source: Lake County records, as of October 6, 2026

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 File
Mailing Address	47005 PROVIDENCE RD, COLUMBIA, MO 65203
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Feb 28, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 15, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 2, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Apr 8, 2003 · Amount on File
Deed Document Number	202224590
Prior Transfer Date	Jun 20, 2002
Prior Transfer Doc	0000033508
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Recording Date	Sep 23, 2026
Property Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711
Document Number	0000021773
Instrument Date	Sep 16, 2026
Instrument	202621773
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711

Mortgage

Document Number	0000021773,
Date	Sep 23, 2026
Instrument	202621773

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711

Mortgage

Document Number	0000003756
Date	Feb 28, 2025
Instrument	2025R003756

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711
Transaction Type	Mortgage
Record Updated	Jun 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711

Mortgage

Document Number	0000009159
Date	May 15, 2024
Instrument	2024R009159

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Sep 2, 2022
Property Address	9845 CHILLICOTHE RD, WILLOUGHBY, OH 44094-9711
Document Number	0000024590
Instrument Date	Jun 1, 2022
Instrument	2022R024590
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4700 S PROVIDENCE RD, COLUMBIA, MO 65201-8331

Mortgage

Document Number	0000024591
Date	Sep 2, 2022
Instrument	2022R024591

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

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		$112,010 Land $36,860 Building $75,150	$320,010 Land $105,300 Building $214,710
2023	$7,483.00 (+95.99%) Homeowner's exemption	$71,460 (-) Land $23,890 Building $47,570
2022	$3,818.00	$71,460 Land $23,890 Building $47,570
2021			$204,150 Land $68,250 Building $135,900

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

FEMA maps place 9845 Chillicothe Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	2 (1978–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2006 · Severe Storms, Straight Line Winds, And 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

Wildfire risk around 9845 Chillicothe 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.

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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