Lake County property record for 37536 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 4 bd · 2 ba · 1,332 sqft · built 1993 |
| Lot Size | 0.037 acres (17,311 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $95,300 (Jul 1993) |
| Tax Bill | $4,810 (2023) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Apr 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-054-0 |
| Primary APN | 27-B-043-A-00-054-0 |
|---|---|
| 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 |
| 1st Floor Area | 612 sqft |
| 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 | 17,311 sqft (0.037 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 90 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 37536 OCEAN REEF, 26 |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6409 |
| 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 | 1010 |
| Census Tract | 201600 |
Source: Lake County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 37536 OCEAN REEF, 37536, WILLOUGHBY, OH 44094-6409 |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Apr 22, 2021 | Fiduciary Deed, Transfer · Conventional Mortgage COLUMBIA STATE BANK |
| Apr 22, 2021 | Affidavit of Death of Trustee, Transfer ENTERPRISE TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1993 · Amount on Record |
| Deed Sale | Jul 23, 1993 · Amount on Record |
| Last Transfer Date | Apr 21, 2021 |
| Transfer Doc | 0000013778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 22, 2021 |
| Property Address | 37536 OCEAN REEF, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000013778 |
| Map Reference | VOL 19 PG 33 |
| Instrument Date | Apr 21, 2021 |
| Instrument | 2021R013778 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ENTERPRISE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 37536 OCEAN REEF # 37536, 37536, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000013779 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021R013779 |
| Name | COLUMBIA STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Affidavit of Death of Trustee |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 22, 2021 |
| Property Address | 37536 OCEAN REEF, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000013777 |
| Map Reference | VOL 661 PG 936 |
| Instrument Date | Apr 21, 2021 |
| Instrument | 2021R013777 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ENTERPRISE TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
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 | $63,600 (+25.17%) Land $15,120 Building $48,480 | $181,720 (+25.19%) Land $43,200 Building $138,520 | |
| 2023 | $4,810.00 (+50.17%) Homeowner's exemption | $50,810 (-) Land $12,080 Building $38,730 | |
| 2022 | $3,203.00 | $50,810 Land $12,080 Building $38,730 | |
| 2021 | $145,160 Land $34,500 Building $110,660 |
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 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.
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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