989 Overlook Dr, Willard, OH 44890 Property Records

Huron County property record for 989 Overlook Dr, Willard, OH 44890

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,684 sqft · built 2023
Lot Size	0.384 acres (16,720 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Jun 2018)
Tax Bill	$8,153 (2025)
Deeds & Mortgages	Aug 2023 Construction Loan Jun 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`14-0750-01-009-0000`

Property Details

APN / Parcel Number

Primary APN	`14-0750-01-009-0000`
Alternative APN	`188897`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,684 sqft Living Area
1st Floor Area	2,684 sqft
Upper Floors Area	288 sqft
Basement Area	2,684 sqft
Unfinished Basement	576 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	16,720 sqft (0.384 acres)
Lot Dimensions	220 ft deep x 76 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	140 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Account Number	188897
Street Address	989 OVERLOOK DR
City	WILLARD
State	OH
Zip	44890-9698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 4 LOT 12 SUB 989
Legal Subdivision	HOLIDAY LAKES SUBDIVISION
Legal Lot Number	12
Jurisdiction	HURON OH
Township / Civil Division	GREENFIELD
Census Block Group	3
Census Block	3078
Census Tract	916100

Owner

Source: Huron County records, as of September 28, 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	989 OVERLOOK DR, WILLARD, OH 44890-9698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Construction Mortgage CIVISTA BANK
Jun 21, 2018	Trustee's Deed, Foreclosure · ARM CIVISTA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2018 · Amount on Record
Deed Sale	Jun 21, 2018 · Amount on Record
Prior Sale	Feb 23, 2011
Deed Document Number	20183772
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	989 OVERLOOK DR, WILLARD, OH 44890-9698
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TUCKER ABSTRACT AND TITLE COMPANY, TUCKERS ABSTRCT & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3969 E BROADWAY RD, WILLARD, OH 44890-9629

Mortgage

Document Number	0000003907
Date	Aug 11, 2023
Instrument	202308110003907

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.1%

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HURON OH
Recording Date	Jun 21, 2018
Property Address	989 OVERLOOK DR, WILLARD, OH 44890-9698
Document Number	0000003772
Map Reference	VOL10 PG42
Instrument Date	Jun 21, 2018
Instrument	201806210003772
Transaction Type	Foreclosure
Record Updated	May 17, 2022
Title Company	THE TUCKER ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3969 BROADWAY RD, WILLARD, OH 44890-9629

Mortgage

Document Number	0000003773
Date	Jun 21, 2018
Instrument	201806210003773

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

Source: Huron County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Huron County
County Subdivision	Greenfield Township
Unified School District	Willard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,153.00 (+29.78%)	$228,040 (+30.41%) Land $15,320 Building $212,720	$651,540 (+30.41%) Land $43,780 Building $607,760
2024	$6,282.00 (+269.75%)	$174,860 (+314.85%) Land $15,320 Building $159,540	$499,600 (+314.85%) Land $43,780 Building $455,820
2023	$1,699.00 (-41.57%)	$42,150 (-40.78%) Land $13,110 Building $29,040
2022	$2,908.00	$71,170 Land $13,110 Building $58,060
2021			$120,430 Land $37,470 Building $82,960

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 11, 2017 · 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	2 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 99.1% of the US · lower than 96% 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	WILLARD CITY serves 7,099 people · EPA ID OH3901511
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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