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38541 Bell Rd, Willoughby, OH, 44094

4beds
2baths
1,760sqft
$349,900
$199price/sqft
$2,560/moest. monthly cost
$102,400/yrincome needed

About This Home

Comfort, space, and outdoor enjoyment come together at 38541 Bell Rd, don't miss this rare acreage opportunity in Willoughby. When stepping into the backyard sounds of nature and tranquility surround you in this park like setting. Step inside to a bright, easy-flow layout perfect for everyday living and entertaining. The main level features a welcoming living room, a cheerful kitchen with storage, and a convenient dining area that opens to the backyard for effortless indoor-outdoor living. Four well-sized bedrooms provide flexible options for a guest room, home office, or hobby space. The updated full bath and main-floor half bath add everyday convenience. Outside is your private summer haven: an above-ground pool for warm-weather fun, a spacious lawn framed by mature trees, and plenty of space for gatherings, pets, or a future garden. A newer roof offers peace of mind, and numerous interior updates mean you can move right in and enjoy. Roof 2023, Sump pump 2026. Plenty of privacy with back yard fencing. Situated near Downtown Willoughby and easy freeway access.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
Grant Elementary SchoolGrades K-50.2 mi
6/10
Willoughby Middle SchoolGrades 6-83.0 mi
7/10
South High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1962

Materials

  • Roof: Asphalt,Fiberglass
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dryer,Dishwasher,Microwave,Range,Refrigerator,Washer
  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Sump Pump,Storage Space

Bathroom

  • Level: Lower
  • Dimensions: 7 x 3

Bedroom

  • Level: Second
  • Dimensions: 11 x 10

Bedroom

  • Level: Lower
  • Dimensions: 11 x 9

Bedroom

  • Level: Second
  • Dimensions: 11 x 10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Dimensions: 10 x 8

Family Room

  • Level: Lower
  • Dimensions: 21 x 9

Features

  • Ceiling Fan(s),Open Floorplan,Storage
  • Fireplace features: None
  • Finished area above ground: 1,760

Heating & Cooling

  • Heating features: Gas,Hot Water,Steam
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 1,760
  • Total interior livable area: 1,760 sqft

Kitchen

  • Level: First
  • Dimensions: 12 x 10

Laundry

  • Level: Lower
  • Dimensions: 12 x 11

Living Room

  • Level: First
  • Dimensions: 20 x 11

Primary Bathroom

  • Level: Second
  • Dimensions: 9 x 8

Primary Bedroom

  • Level: Second
  • Dimensions: 11 x 11

Property

Details

  • Parcel number: 27B049B000110
  • Attached to another structure: Yes

Features

  • Levels: Three Or More,Multi/Split
  • Private pool: Yes
  • Pool features: Above Ground,Filtered,Heated,Outdoor Pool,Pool Cover
  • Patio & porch: Rear Porch,Covered,Front Porch
  • Exterior features: Fire Pit,Private Yard,Storage
  • Fencing: Privacy,Wood
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods

Lot

  • Lot size: 1.02 Acres
  • Features: Back Yard,Dead End,Landscaped,Open Lot,Views

Parking

  • Total spaces: 2
  • Parking features: Driveway,Detached,Garage,Paved
  • 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 WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Strong Wind
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 $1,769$21,228
Home Insurance *$161$1,932
Property Taxes $437$5,244
Electricity $193$2,320
Total$2,560$30,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,771/yr
40% on housing$76,800/yr
45% on housing$68,266/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

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 44094$189
Lake County$153

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
2026-08-17Price change$334,900
2026-07-31Price change$349,900
2026-07-13Listed for sale$359,999
2018-06-29Sold$175,000
2018-05-31Pending sale$175,000
2018-05-15Listed for sale$175,000
2017-11-11Listing removed$169,900
2017-08-24Price change$169,900
2017-07-07Price change$172,480
2016-12-13Price change$179,400
2016-03-12Listed for sale$185,000

For Sale by Agent

AgentLori A Cerutti
BrokerageMcDowell Homes Real Estate Services

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