37431 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37431 Ocean Reef, Willoughby, OH 44094

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,458 sqft · built 1993
Lot Size	0.404 acres (17,619 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (May 2021)
Tax Bill	$4,919 (2023)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-043-A-00-059-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-043-A-00-059-0`
Alternative APN	`98`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
1st Floor Area	612 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	17,619 sqft
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	90 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	98
Street Address	37431 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

Owner

37431 Ocean Reef, a condominium, is owned and occupied by an individual who bought it in May 2021.

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
Co-owner	Co-owner on File
Mailing Address	37431 OCEAN REEF # 23/37431, 23/37431, WILLOUGHBY, OH 44094-6408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Prior Sale	Apr 21, 2016
Deed Document Number	462569
Record Updated	Jun 7, 2026

May 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LAKE OH
Recording Date	May 25, 2021
Property Address	37431 OCEAN REEF, WILLOUGHBY, OH 44094-6408
Document Number	0000017826
Map Reference	VOL 19 PG 33
Instrument Date	May 24, 2021
Instrument	2021R017826
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	ENTERPRISE TITLE AGENCY, ENTERPRISE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	37431 OCEAN REEF # 37431, 37431, WILLOUGHBY, OH 44094-6408

Mortgage

Document Number	0000017827
Date	May 25, 2021
Instrument	2021R017827

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,919.00 (+53.67%) Homeowner's exemption	$51,960 (-) Land $12,080 Building $39,880
2022	$3,201.00 Homeowner's exemption	$51,960 Land $12,080 Building $39,880
2021			$148,450 Land $34,500 Building $113,950

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.

Flood

FEMA maps place 37431 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

Wildfire risk around 37431 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.

Internet Providers

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