Lake County property record for 37599 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,332 sqft · built 1992 |
| Lot Size | 0.035 acres (1,535 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Apr 2021) |
| Tax Bill | $4,913 (2023) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-048-0 |
| Primary APN | 27-B-043-A-00-048-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,524 sqft |
| 1st Floor Area | 612 sqft |
| Family Room | Family Room |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,535 sqft (0.035 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 282 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 37599 OCEAN REEF, 27/375 |
|---|---|
| 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 | 115 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 201600 |
Source: Lake County records, as of December 30, 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 Record |
|---|---|
| Mailing Address | 37599 OCEAN REEF, 27, WILLOUGHBY, OH 44094-6410 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on Record |
| Deed Sale | Apr 1, 2021 · Amount on Record |
| Prior Sale | Sep 6, 2002 · Amount on Record |
| Deed Document Number | 202111122 |
| Prior Transfer Date | Nov 10, 1992 |
| Prior Transfer Doc | 0000050644 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Apr 1, 2021 |
| Property Address | 37599 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000011122 |
| Map Reference | VOL 18 PG 29 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2021R011122 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Title Company | ENTERPRISE TITLE AGENCY, 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 |
|---|---|
| Address | 37599 OCEAN REEF # 27, 27, WILLOUGHBY, OH 44094-6410 |
| Document Number | 0000011123 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021R011123 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
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 | $64,480 (+24.26%) Land $15,120 Building $49,360 | $184,220 (+24.26%) Land $43,200 Building $141,020 | |
| 2023 | $4,913.00 (+53.72%) Homeowner's exemption | $51,890 (-) Land $12,080 Building $39,810 | |
| 2022 | $3,196.00 Homeowner's exemption | $51,890 Land $12,080 Building $39,810 | |
| 2021 | $148,250 Land $34,500 Building $113,750 |
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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