Lake County property record for 37611 Ocean Reef, Willoughby, OH 44094 · Last verified July 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,332 sqft · built 1992 |
| Lot Size | 0.039 acres (1,679 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $152,000 (Aug 2020) |
| Tax Bill | $4,924 (2023) |
| Deeds & Mortgages | Oct 2021 Transfer Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-049-0 |
| Primary APN | 27-B-043-A-00-049-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 1,612 sqft |
| 1st Floor Area | 612 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 1,679 sqft (0.039 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 280 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 37611 OCEAN REEF, 27/375 |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6412 |
| 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 · APN 27-B-043-A-00-049-0
Assessment roll updated December 30, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 37611 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Oct 22, 2021 | Transfer on Death Deed, Transfer |
| Aug 10, 2020 | Survivorship Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 10, 2020 · Amount on Record |
| Deed Sale | Aug 10, 2020 · Amount on Record |
| Prior Sale | Aug 26, 1997 · Amount on Record |
| Deed Document Number | 202022075 |
| Last Transfer Date | Oct 20, 2021 |
| Transfer Doc | 0000037370 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 22, 2021 |
| Property Address | 37611 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000037370 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 2021R037370 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Aug 10, 2020 |
| Property Address | 37611 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000022075 |
| Map Reference | VOL 18 PG 29 |
| Instrument Date | Aug 07, 2020 |
| Instrument | 2020R022075 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | ENTERPRISE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 37611 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000022076 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 2020R022076 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Lake County records · Assessment roll updated December 30, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
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 |
|---|---|---|---|
| 2025 | Homeowner's exemption | $64,690 (+24.38%) Land $15,120 Building $49,570 | $184,840 (+24.4%) Land $43,200 Building $141,640 |
| 2023 | $4,924.00 (+83.73%) Homeowner's exemption Senior Citizen's exemption | $52,010 (-) Land $12,080 Building $39,930 | |
| 2022 | $2,680.00 Homeowner's exemption Senior Citizen's exemption | $52,010 Land $12,080 Building $39,930 | |
| 2021 | $148,590 Land $34,500 Building $114,090 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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