Lake County property record for 37548 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 1992 |
| Lot Size | 0.304 acres (13,283 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Sep 2022) |
| Tax Bill | $4,332 (2023) |
| Deeds & Mortgages | Sep 2022 Sale Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-043-0 |
| Primary APN | 27-B-043-A-00-043-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,170 sqft Living Area |
| 1st Floor Area | 612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,283 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 59 |
|---|---|
| Street Address | 37548 OCEAN REEF |
| 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 Lot Number | 11 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1010 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 37548 OCEAN REEF # B-28, B-28, WILLOUGHBY, OH 44094-6409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2022 | Warranty Deed, Transfer INFINITE TITLE, INFINITY TITLE |
| Apr 14, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2022 · Amount on Record |
| Deed Sale | Sep 1, 2022 · Amount on Record |
| Prior Sale | Apr 14, 2020 |
| Deed Document Number | 475646 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Sep 1, 2022 |
| Property Address | 37548 OCEAN REEF, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000024381 |
| Map Reference | VOL 661 PG 936 |
| Instrument Date | Aug 18, 2022 |
| Instrument | 2022R024381 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2022 |
| Title Company | INFINITE TITLE, INFINITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37548 OCEAN REEF # B28, B28, WILLOUGHBY, OH 44094-6409 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 14, 2020 |
| Property Address | 37548 OCEAN REEF, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000009291 |
| Map Reference | MB 18 PG 29 |
| Instrument Date | Mar 24, 2020 |
| Instrument | 2020R009291 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Document Number | 0000009292 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 2020R009292 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jan 18, 2017 |
| Property Address | 37548 OCEAN REEF, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000001603 |
| Map Reference | VOL661 PG936 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 2017R001603 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | OHIO REAL TITLE |
| 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 |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 37548 OCEAN REEF, WILLOUGHBY, OH 44094-6409 |
| Document Number | 0000001604 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | 2017R001604 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
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 | $4,332.00 (+53.4%) Homeowner's exemption | $45,760 (-) Land $12,080 Building $33,680 | |
| 2022 | $2,824.00 Homeowner's exemption | $45,760 Land $12,080 Building $33,680 | |
| 2021 | $130,720 Land $34,500 Building $96,220 |
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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