Lake County property record for 37392 Ocean Reef, Willoughby, OH 44094 · Last verified May 2024
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 1993 |
| Lot Size | 0.272 acres (11,872 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (May 2023) |
| Tax Bill | $4,481 (2023) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-084-0 |
| Primary APN | 27-B-043-A-00-084-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,170 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 | 11,872 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 350 sqft |
| Patio Area | 350 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 72 |
|---|---|
| Street Address | 37392 OCEAN REEF |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6407 |
| 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 | 1010 |
| Census Tract | 201600 |
Source: Lake County records · APN 27-B-043-A-00-084-0
Assessment roll updated August 1, 2023 · Last verified May 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 37392 OCEAN REEF, WILLOUGHBY, OH 44094-6407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 24, 2023 · Amount on Record |
| Deed Sale | May 24, 2023 · Amount on Record |
| Prior Sale | Feb 02, 2012 · Amount on Record |
| Deed Document Number | 481460 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 24, 2023 |
| Property Address | 37392 OCEAN REEF, WILLOUGHBY, OH 44094-6407 |
| Document Number | 0000009635 |
| Map Reference | MB 20 PG 21 |
| Instrument Date | Mar 02, 2023 |
| Instrument | 2023R009635 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37392 OCEAN REEF # 111, 111, WILLOUGHBY, OH 44094-6407 |
| Document Number | 0000009636 |
|---|---|
| Date | May 24, 2023 |
| Instrument | 2023R009636 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,481.00 (+53.51%) Homeowner's exemption | $47,330 (-) Land $12,080 Building $35,250 | |
| 2022 | $2,919.00 Homeowner's exemption | $47,330 Land $12,080 Building $35,250 | |
| 2021 | $135,210 Land $34,500 Building $100,710 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852016001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 35 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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