37476 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37476 Ocean Reef, Willoughby, OH 44094

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,458 sqft · built 1993
Lot Size	0.353 acres (15,403 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Jun 2022)
Tax Bill	$4,804 (2023)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-B-043-A-00-091-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-043-A-00-091-0`
Alternative APN	`65`

Interior

Bedrooms	3 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
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2009
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	15,403 sqft
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	65
Street Address	37476 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

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	37476 OCEAN REEF # B24, B24, WILLOUGHBY, OH 44094-6407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022 · Amount on Record
Deed Sale	Jun 14, 2022 · Amount on Record
Prior Sale	Jun 10, 2013 · Amount on Record
Deed Document Number	473406
Record Updated	Jun 7, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Jun 14, 2022
Property Address	37476 OCEAN REEF, WILLOUGHBY, OH 44094-6407
Document Number	0000016829
Map Reference	MB 20 PG 21
Instrument Date	Jun 3, 2022
Instrument	2022R016829
Transaction Type	Transfer
Record Updated	Jul 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
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
Address	37476 OCEAN REEF # B-24, B-24, WILLOUGHBY, OH 44094-6407

Mortgage

Document Number	0000016830
Date	Jun 14, 2022
Instrument	2022R016830

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$4,804.00 (+53.68%) Homeowner's exemption	$50,740 (-) Land $12,080 Building $38,660
2022	$3,126.00 Homeowner's exemption	$50,740 Land $12,080 Building $38,660
2021			$144,950 Land $34,500 Building $110,450

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20