Lake County property record for 991 Garden Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1947 |
| Lot Size | 0.182 acres (7,906 sqft) |
| Owner | Individual Name on File |
| Last Sale | $137,500 (Jun 2021) |
| Tax Bill | $2,995 (2023) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-057-G-00-038-0 |
| Primary APN | 27-B-057-G-00-038-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,906 sqft (0.182 acres) |
| Lot Dimensions | 152 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 991 GARDEN RD |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-60 |
| Legal Description | LOT 4 DOUGLASS TRACT |
| Legal Subdivision | LAKE FOREST PARK SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 201700 |
991 Garden Rd is owned and occupied by an individual who bought it in June 2021.
Source: Lake County records, as of December 30, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 991 GARDEN RD, WILLOUGHBY, OH 44094-7317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2021 · Amount on File |
| Deed Sale | Jun 14, 2021 · Amount on File |
| Prior Sale | Jan 26, 2006 · Amount on File |
| Deed Document Number | 202120190 |
| Prior Transfer Date | Jun 25, 1997 |
| Prior Transfer Doc | 0000022174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 14, 2021 |
| Property Address | 991 GARDEN RD, WILLOUGHBY, OH 44094-7317 |
| Document Number | 0000020190 |
| Map Reference | VOL D PG 53 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 2021R020190 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 991 GARDEN RD, WILLOUGHBY, OH 44094-7317 |
| Document Number | 0000020191 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021R020191 |
| Name | PREMIER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $41,930 Land $11,950 Building $29,980 | $119,800 Land $34,140 Building $85,660 | |
| 2023 | $2,995.00 (+52.42%) Homeowner's exemption | $31,640 (-) Land $10,140 Building $21,500 | |
| 2022 | $1,965.00 Homeowner's exemption | $31,640 Land $10,140 Building $21,500 | |
| 2021 | $90,390 Land $28,970 Building $61,420 |
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 991 Garden Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1986.
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 Claims | 10 (1986–2006) |
| Claims Outside the SFHA | 8 of 10 |
| 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 risk around 991 Garden Rd 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people · EPA ID OH4302411 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024) 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 680 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures