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4039 Kirtland Rd, Willoughby, OH, 44094

2beds
2baths
1,176sqft
$210,000
$179price/sqft
$1,612/moest. monthly cost
$64,480/yrincome needed

About This Home

Welcome home to this charming 1920 2-bedroom, 2-bath bungalow in the heart of Willoughby! Step into the inviting enclosed front sunporch, the perfect place to relax with your morning coffee while watching the world go by. Inside, the cozy living room is centered around a beautiful wood-burning fireplace with built-in shelving, creating a warm and welcoming gathering space. The versatile formal dining room, currently used as a family room, offers endless possibilities—host holiday dinners, entertain guests, or enjoy it as an expanded living area. The updated kitchen features timeless white shaker cabinetry, stainless steel appliances, and a spacious dining area ideal for everyday meals. The first-floor primary bedroom offers convenient access from both the living room and kitchen, while the oversized first-floor full bath includes a walk-in shower for added comfort. Upstairs, you'll find a generously sized second bedroom, a second full bath, plus abundant knee-wall and walk-in storage. The lower level provides a dedicated laundry area, workshop, and plenty of additional storage space. Step outside to the backyard where the deck offers the perfect setting for summer barbecues, relaxing evenings, or gathering with family and friends. Completing the property is an oversized 2-car garage with an automatic opener. Conveniently located near shopping, restaurants, parks, and all that downtown Willoughby has to offer, this delightful home blends classic charm with thoughtful updates and is ready for its next owner to enjoy.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
Grant Elementary SchoolGrades K-51.6 mi
6/10
Willoughby Middle SchoolGrades 6-81.9 mi
7/10
South High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Block,Other
  • Roof: Asphalt,Fiberglass
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Lower Level

Basement

  • Level: Basement
  • Dimensions: 27 x 22

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial,Storage Space,Unfinished

Bathroom

  • Level: First
  • Dimensions: 10 x 8

Bathroom

  • Level: Second
  • Dimensions: 9 x 6

Bedroom

  • Level: First
  • Dimensions: 12 x 12

Bedroom

  • Level: Second
  • Dimensions: 12 x 11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: First
  • Dimensions: 16 x 11

Eat In Kitchen

  • Features: Laminate Counters
  • Level: First
  • Dimensions: 20 x 12

Features

  • Built-in Features,Eat-in Kitchen,Storage,Tile Counters
  • Window features: Blinds
  • Number of fireplaces: 1
  • Fireplace features: Living Room,Raised Hearth,See Remarks,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 1,176

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,176
  • Total interior livable area: 1,176 sqft

Living Room

  • Features: Built-in Features,Fireplace
  • Level: First
  • Dimensions: 16 x 12

Sunroom

  • Level: First
  • Dimensions: 13 x 7

Property

Accessibility

  • Accessibility features: Accessible Full Bath

Details

  • Parcel number: 27A032A000050
  • Lease amount: 0

Features

  • Levels: One and One Half,Two
  • Stories: 2
  • Patio & porch: Deck,Enclosed,Front Porch,Patio,Porch
  • Fencing: None
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.26 Acres
  • Features: Few Trees
  • Lot size dimensions: 59 x 232

Parking

  • Parking features: Detached,Garage Faces Front,Garage,Garage Door Opener,Gravel
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Tsunami

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,061$12,732
Home Insurance *$96$1,152
Property Taxes $262$3,144
Electricity $193$2,320
Total$1,612$19,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,268/yr
40% on housing$48,360/yr
45% on housing$42,986/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 44094$190
Lake County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 44094$169
Lake County$161

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-01Price change$210,000
2026-07-14Listed for sale$220,000
2021-07-20Sold$155,000
2021-06-18Pending sale$155,000
2021-06-18Contingent$155,000
2021-06-12Listed for sale$155,000
2019-07-26Sold$120,000
2019-07-22Pending sale$119,900
2019-06-03Listed for sale$119,900
2018-05-23Sold$87,900
2018-04-18Pending sale$89,900
2018-03-23Listed for sale$89,900

For Sale by Agent

AgentLinda E Ebersbacher
BrokerageHoward Hanna

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