Lake County property record for 37587 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,458 sqft · built 1992 |
| Lot Size | 0.399 acres (17,396 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,000 (May 2020) |
| Tax Bill | $4,704 (2023) |
| Deeds & Mortgages | Dec 2018 Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-047-0 |
| Primary APN | 27-B-043-A-00-047-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,458 sqft Living Area |
| 1st Floor Area | 612 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,396 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 111 |
|---|---|
| Street Address | 37587 OCEAN REEF |
| 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 Lot Number | 11 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 201600 |
Source: Lake County records, as of April 25, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 37587 OCEAN REEF # 37565-D, 37565-D, WILLOUGHBY, OH 44094-6410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Oct 5, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2020 · Amount on Record |
| Deed Sale | May 20, 2020 · Amount on Record |
| Prior Sale | Oct 5, 2018 · Amount on Record |
| Deed Document Number | 452826 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37587 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000031275 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018R031275 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Nov 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 20, 2020 |
| Property Address | 37587 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000013030 |
| Map Reference | VOL 18 PG 29 |
| Instrument Date | May 18, 2020 |
| Instrument | 2020R013030 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| 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 |
|---|---|
| Address | 37587 OCEAN REEF # NO, NO, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000013031 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 2020R013031 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 5, 2018 |
| Property Address | 37587 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000025564 |
| Map Reference | MB18 PG29 |
| Instrument Date | Sep 13, 2018 |
| Instrument | 2018R025564 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | STEWART 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 | 37587 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000025565 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 2018R025565 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2033 |
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 | $4,704.00 (+53.57%) Homeowner's exemption | $49,690 (-) Land $12,080 Building $37,610 | |
| 2022 | $3,063.00 Homeowner's exemption | $49,690 Land $12,080 Building $37,610 | |
| 2021 | $141,970 Land $34,500 Building $107,470 |
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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