Lake County property record for 37527 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2 ba · 1,332 sqft · built 1993 |
| Lot Size | 0.038 acres (18,026 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,250 (May 2016) |
| Tax Bill | $4,917 (2023) |
| Deeds & Mortgages | Feb 2022 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-052-0 |
| Primary APN | 27-B-043-A-00-052-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,512 sqft |
| 1st Floor Area | 612 sqft |
| Family Room | Family Room |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,026 sqft (0.038 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 270 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 37527 OCEAN REEF, 25/37527 |
|---|---|
| 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 Block | 1 |
| Legal Lot Number | 115 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 201600 |
Source: Lake County records, as of June 12, 2026
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 |
|---|---|
| Mailing Address | 37527 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FSLA OF LAKEWOOD |
| Oct 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FSLA OF LAKEWOOD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2016 · Amount on Record |
| Deed Sale | May 25, 2016 · Amount on Record |
| Prior Sale | Sep 26, 2008 · Amount on Record |
| Deed Document Number | 201613309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37527 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Title Company | GUARDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 37527 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000004458 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 2022R004458 |
| Name | FIRST FSLA OF LAKEWOOD |
|---|---|
| Type | Bank |
| Address | LAKEWOOD, OH 44107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37527 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000035501 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 2021R035501 |
| Name | FIRST FSLA OF LAKEWOOD |
|---|---|
| Type | Bank |
| Address | LAKEWOOD, OH 44107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
Source: Lake County assessment roll, as of December 30, 2025
| 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 |
|---|---|---|---|
| 2025 | $64,780 (+24.72%) Land $15,120 Building $49,660 | $185,080 (+24.73%) Land $43,200 Building $141,880 | |
| 2023 | $4,917.00 (+53.7%) Homeowner's exemption | $51,940 (-) Land $12,080 Building $39,860 | |
| 2022 | $3,199.00 Homeowner's exemption | $51,940 Land $12,080 Building $39,860 | |
| 2021 | $148,380 Land $34,500 Building $113,880 |
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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