Lake County property record for 37383 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2 ba · 1,458 sqft · built 1993 |
| Lot Size | 0.362 acres (15,781 sqft) |
| Owner | Individual Name on File |
| Last Sale | $141,500 (Sep 2023) |
| Tax Bill | $4,813 (2023) |
| Deeds & Mortgages | Sep 2023 Transfer Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-067-0 |
| Primary APN | 27-B-043-A-00-067-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,458 sqft Living Area |
| 1st Floor Area | 612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,781 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 90 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 94 |
|---|---|
| Street Address | 37383 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 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 37383 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2023 | Transfer on Death Deed, Transfer |
| Sep 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 13, 2018 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2023 · Amount on File |
| Deed Sale | Sep 25, 2023 · Amount on File |
| Deed Document Number | 484372 |
| Record Updated | Jun 7, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 25, 2023 |
| Property Address | 37383 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000019183 |
| Map Reference | MB 19 PG 33 |
| Instrument Date | Sep 21, 2023 |
| Instrument | 2023R019183 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7695 CLARION DR, CHAGRIN FALLS, OH 44022-3909 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 25, 2023 |
| Property Address | 37383 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000019181 |
| Map Reference | VOL 661 PG 936 |
| Instrument Date | Sep 20, 2023 |
| Instrument | 2023R019181 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LT |
| 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 | 37383 OCEAN REEF # B-21, B-21, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000019182 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 2023R019182 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 13, 2018 |
| Property Address | 37383 OCEAN REEF # B-21, B-21, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000017548 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 17548 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37383 OCEAN REEF WILLOUGHBY OH 440946408, WILLOUGHBY, OH 44094-6408 |
Source: Lake County assessment roll, as of August 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,813.00 (+84.48%) Homeowner's exemption Senior Citizen's exemption | $50,840 (-) Land $12,080 Building $38,760 | |
| 2022 | $2,609.00 Homeowner's exemption Senior Citizen's exemption | $50,840 Land $12,080 Building $38,760 | |
| 2021 | $145,230 Land $34,500 Building $110,730 |
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.
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.
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.
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 |
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