Lake County property record for 37503 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,458 sqft · built 1993 |
| Lot Size | 0.397 acres (17,304 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $165,000 (Jun 2002) |
| Tax Bill | $4,908 (2023) |
| Deeds & Mortgages | Jun 2019 Mortgage Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-050-0 |
| Primary APN | 27-B-043-A-00-050-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 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 |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,304 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 160 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 104 |
|---|---|
| Street Address | 37503 OCEAN REEF |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6410 |
| 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 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 37503 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jun 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 3, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2002 · Amount on Record |
| Deed Sale | Jun 4, 2002 · Amount on Record |
| Prior Sale | Jun 4, 2002 · Amount on Record |
| Deed Document Number | 0000028190 |
| Last Transfer Date | Apr 6, 2004 |
| Transfer Doc | 0000014691 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37503 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000012659 |
|---|---|
| Date | Jun 6, 2019 |
| Instrument | 2019R012659 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37503 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025075 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 2020R025075 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Aug 16, 2040 |
| 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 | $4,908.00 (+53.71%) Homeowner's exemption | $51,840 (-) Land $12,080 Building $39,760 | |
| 2022 | $3,193.00 Homeowner's exemption | $51,840 Land $12,080 Building $39,760 | |
| 2021 | $148,110 Land $34,500 Building $113,610 |
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.
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.
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.
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 |
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