Lake County property record for 995 Garden Rd, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 728 sqft · built 1999 |
| Lot Size | 0.179 acres (7,802 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,000 (Aug 2019) |
| Tax Bill | $5,312 (2023) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-057-G-00-036-0 |
| Primary APN | 27-B-057-G-00-036-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 728 sqft Living Area |
| 1st Floor Area | 702 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,802 sqft (0.179 acres) |
| Lot Dimensions | 150 ft deep x 52 ft wide |
| View / Lot | Restrictions |
| Patio Area | 8 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 995 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 |
995 Garden Rd is owned and occupied by an individual who bought it in August 2019.
Source: Lake County records, as of December 30, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 995 GARDEN RD, WILLOUGHBY, OH 44094-7317 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on File |
| Deed Sale | Aug 16, 2019 · Amount on File |
| Prior Sale | Dec 28, 2010 · Amount on File |
| Deed Document Number | 201919324 |
| Prior Transfer Date | Apr 4, 2012 |
| Prior Transfer Doc | 0000009282 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 16, 2019 |
| Property Address | 995 GARDEN RD, WILLOUGHBY, OH 44094-7317 |
| Document Number | 0000019324 |
| Map Reference | VOL D PG 53 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 2019R019324 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | ENTERPRISE TITLE AGENCY INC |
| 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 | 995 GARDEN RD, WILLOUGHBY, OH 44094-7317 |
| Document Number | 0000019325 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 2019R019325 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $67,970 Land $11,840 Building $56,130 | $194,210 Land $33,830 Building $160,380 | |
| 2023 | $5,312.00 (+53.84%) Homeowner's exemption | $56,110 (-) Land $10,050 Building $46,060 | |
| 2022 | $3,453.00 Homeowner's exemption | $56,110 Land $10,050 Building $46,060 | |
| 2021 | $160,300 Land $28,710 Building $131,590 |
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 995 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 995 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.
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