37584 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37584 Ocean Reef, Willoughby, OH 44094

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,458 sqft · built 1992
Lot Size	0.402 acres (17,549 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Dec 2025)
Tax Bill	$5,133 (2024)
Deeds & Mortgages	Dec 2025 Sale Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-B-043-A-00-040-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-043-A-00-040-0`
Alternative APN	`56`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 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

Exterior

Year Built	Built 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	17,549 sqft
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	380 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	56
Street Address	37584 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 Block	28
Legal Lot Number	11
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	1
Census Block	1010
Census Tract	201600

Owner

Source: Lake County records · APN 27-B-043-A-00-040-0

Assessment roll updated August 1, 2024 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2025	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Apr 02, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 20, 2017	Warranty Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 01, 2025 · Amount on Record
Deed Sale	Dec 01, 2025 · Amount on Record
Prior Sale	Sep 20, 2017 · Amount on Record
Deed Document Number	2025R026851
Record Updated	Jun 08, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Dec 01, 2025
Property Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Document Number	0000026851
Map Reference	VOL 661 PG 936
Instrument Date	Nov 24, 2025
Instrument	2025R026851
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039755
Date	Nov 10, 2021
Instrument	2021R039755

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018179
Date	Jul 20, 2018
Instrument	2018R018179

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010490
Date	May 13, 2019
Instrument	2019R010490

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008371
Date	Apr 02, 2020
Instrument	2020R008371

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	43241

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Sep 20, 2017
Property Address	37584 OCEAN REEF, WILLOUGHBY, OH 44094-6409
Document Number	0000025168
Instrument Date	Sep 19, 2017
Instrument	25168
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37584 OCEAN REEF WILLOUGHBY OH 440946409, WILLOUGHBY, OH 44094-6409

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2024 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$5,133.00 (+4.88%) Homeowner's exemption Senior Citizen's exemption	$64,300 (+24.37%) Land $15,120 Building $49,180	$183,720 (+24.4%) Land $43,200 Building $140,520
2023	$4,894.00 (+62.38%) Homeowner's exemption Senior Citizen's exemption	$51,700 (-) Land $12,080 Building $39,620
2022	$3,014.00 Homeowner's exemption	$51,700 Land $12,080 Building $39,620
2021			$147,690 Land $34,500 Building $113,190

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 14, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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 as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 133 locations within half a mile of this property.

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