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37563 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37563 Ocean Reef, Willoughby, OH 44094 · Last verified May 2024

Property Summary

Property TypeCondominium
Details3 bd · 3 ba · 1,458 sqft · built 1992
Lot Size0.384 acres (16,763 sqft)
OwnerIndividual Name on File
Tax Bill$4,814 (2023)
Deeds & MortgagesFeb 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN27-B-043-A-00-045-0

Property Details

APN / Parcel Number

Primary APN27-B-043-A-00-045-0
Alternative APN
  • 109

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,458 sqft Living Area
1st Floor Area612 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Lot Area16,763 sqft
Garage Area360 sqft
Parking Spaces1 Parking Space
Patio Area288 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelGas

Location & Zoning

Account Number109
Street Address37563 OCEAN REEF
CityWILLOUGHBY
StateOH
Zip44094-6410
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLOT 115 GORE TRACT
Legal SubdivisionSMUGLERS COVE CONDOMINIUM
Legal Lot Number11
JurisdictionLAKE OH
Township / Civil DivisionWILLOUGHBY
Census Block Group1
Census Block1008
Census Tract201600

Owner

Source: Lake County records · APN 27-B-043-A-00-045-0

Assessment roll updated August 1, 2023 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address37563 OCEAN REEF, WILLOUGHBY, OH 44094-6410
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 24, 1995
Deed SaleOct 24, 1995
Deed Document NumberE 3389D
Record UpdatedJun 07, 2026

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionLAKE OH
Property Address37563 OCEAN REEF, WILLOUGHBY, OH 44094-6410
Document Number0000003995
Instrument DateFeb 06, 2018
Transaction TypeMortgage
Record UpdatedMar 02, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address37563 OCEAN REEF WILLOUGHBY OH 440946410, WILLOUGHBY, OH 44094-6410

Mortgage

Document Number0000003995
DateFeb 20, 2018
Instrument3995
Lender
NameTHIRD FED'L S&L/CLEVELAND
TypeFederal Savings Bank
AddressCLEVELAND, OH 44105
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term480 Months
DueFeb 19, 2058
Interest
Rate TypeFixed Rate
Rate7%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024

Property Jurisdictions

TypeName
StateOhio
CountyLake County
MunicipalityWilloughby City
Unified School DistrictWilloughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2023$4,814.00 (+53.65%) Homeowner's exemption$50,850 (-) Land $12,080 Building $38,770
2022$3,133.00 Homeowner's exemption$50,850 Land $12,080 Building $38,770
2021$145,280 Land $34,500 Building $110,780

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852016001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2013)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 2013, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 64% of Ohio
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

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