Lake County property record for 37407 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,458 sqft · built 1993 |
| Lot Size | 0.369 acres (16,084 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,806 (2023) |
| Deeds & Mortgages | Nov 2022 Transfer Dec 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-069-0 |
| Primary APN | 27-B-043-A-00-069-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 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 | 16,084 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 96 |
|---|---|
| Street Address | 37407 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 |
37407 Ocean Reef, a condominium, is owned and occupied by an individual who acquired it in February 2021.
Source: Lake County records, as of April 25, 2024
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 37407 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 |
|---|---|
| Nov 4, 2022 | Transfer on Death Deed, Transfer |
| Dec 2, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 11, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 11, 2021 |
| Deed Sale | Feb 11, 2021 |
| Deed Document Number | 459749 |
| Record Updated | Jun 7, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Nov 4, 2022 |
| Property Address | 37407 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000029758 |
| Map Reference | MB 19 PG 33 |
| Instrument Date | Oct 27, 2022 |
| Instrument | 2022R029758 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37407 OCEAN REEF, 37407, WILLOUGHBY, OH 44094-6408 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37407 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 37407 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000042431 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 2021R042431 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Feb 11, 2021 |
| Property Address | 37407 OCEAN REEF, WILLOUGHBY, OH 44094-6408 |
| Document Number | 0000005049 |
| Map Reference | VOL 661 PG 936 |
| Instrument Date | Nov 16, 2020 |
| Instrument | 2021R005049 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37407 OCEAN REEF, 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 | $4,806.00 (+84.56%) Homeowner's exemption Senior Citizen's exemption | $50,770 (-) Land $12,080 Building $38,690 | |
| 2022 | $2,604.00 Homeowner's exemption Senior Citizen's exemption | $50,770 Land $12,080 Building $38,690 | |
| 2021 | $145,030 Land $34,500 Building $110,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37407 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 37407 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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