37371 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37371 Ocean Reef, Willoughby, OH 44094

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,458 sqft · built 1993
Lot Size	0.39 acres (17,012 sqft)
Owner	Owner Name on File
Last Sale	$143,000 (Jul 2000)
Tax Bill	$4,857 (2023)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-043-A-00-066-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-043-A-00-066-0`
Alternative APN	`93`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
1st Floor Area	612 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	17,012 sqft
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	90 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	93
Street Address	37371 OCEAN REEF
City	WILLOUGHBY
State	OH
Zip	44094-6408
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 115 GORE TRACT
Legal Subdivision	SMUGLERS COVE CONDOMINIUM
Legal Lot Number	11
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1008
Census Tract	201600

Owner

The current owner of 37371 Ocean Reef bought it in July 2000.

Source: Lake County records, as of April 25, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Owner Name on File
Mailing Address	37371 OCEAN REEF, WILLOUGHBY, OH 44094-6408
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2000 · Amount on File
Deed Sale	Jul 25, 2000 · Amount on File
Deed Document Number	2729
Deed Book / Page	882 / 301
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37371 OCEAN REEF, WILLOUGHBY, OH 44094-6408
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009687
Date	Apr 4, 2022
Instrument	2022R009687

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Mar 2, 2032

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,857.00 (+53.65%) Homeowner's exemption	$51,300 (-) Land $12,080 Building $39,220
2022	$3,161.00 Homeowner's exemption	$51,300 Land $12,080 Building $39,220
2021			$146,570 Land $34,500 Building $112,070

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.

Flood

FEMA maps place 37371 Ocean Reef in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2013 · rainfall accumulation

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

Wildfire risk around 37371 Ocean Reef 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 96% of the US · lower than 81% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35