Lake County property record for 37395 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,458 sqft · built 1993 |
| Lot Size | 0.366 acres (15,954 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (May 2004) |
| Tax Bill | $4,773 (2023) |
| Deeds & Mortgages | Jun 2022 Transfer Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-068-0 |
| Primary APN | 27-B-043-A-00-068-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,458 sqft Living Area |
| 1st Floor Area | 612 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,954 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 95 |
|---|---|
| Street Address | 37395 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 |
37395 Ocean Reef, a condominium, is owned and occupied by an individual who bought it in May 2004.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 37395 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 3, 2022 | Transfer on Death Deed, Transfer |
| Jan 26, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2004 · Amount on File |
| Deed Sale | May 6, 2004 · Amount on File |
| Deed Document Number | 1673 |
| Record Updated | Jun 7, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 3, 2022 |
| Property Address | 37395 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000015853 |
| Map Reference | MB 19 PG 33 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 2022R015853 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 37395 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37395 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002376 |
|---|---|
| Date | Jan 26, 2017 |
| Instrument | 2017R002376 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 9, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $4,773.00 (+84.79%) Homeowner's exemption Senior Citizen's exemption | $50,420 (-) Land $12,080 Building $38,340 | |
| 2022 | $2,583.00 Homeowner's exemption Senior Citizen's exemption | $50,420 Land $12,080 Building $38,340 | |
| 2021 | $144,040 Land $34,500 Building $109,540 |
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.
FEMA maps place 37395 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 risk around 37395 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.
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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