Lake County property record for 37404 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 1993 |
| Lot Size | 0.274 acres (11,959 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $89,295 (Sep 1993) |
| Tax Bill | $4,342 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-085-0 |
| Primary APN | 27-B-043-A-00-085-0 |
|---|---|
| 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 |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,959 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 71 |
|---|---|
| Street Address | 37404 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, as of April 25, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 29436 EDDY RD, WILLOUGHBY HILLS, OH 44092-1442 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 1993 · Amount on Record |
| Deed Sale | Sep 24, 1993 · Amount on Record |
| Deed Document Number | 3661 |
| Record Updated | Jun 7, 2026 |
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 | $4,342.00 (+49.98%) Homeowner's exemption | $45,860 (-) Land $12,080 Building $33,780 | |
| 2022 | $2,895.00 | $45,860 Land $12,080 Building $33,780 | |
| 2021 | $131,000 Land $34,500 Building $96,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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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