Lake County property record for 37635 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 1,458 sqft · built 1992 |
| Lot Size | 0.384 acres (16,730 sqft) |
| Owner | Company Name on Record |
| Last Sale | $178,000 (Apr 2006) |
| Tax Bill | $4,979 (2023) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2024 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 27-B-043-A-00-029-0 |
| Primary APN | 27-B-043-A-00-029-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 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 |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,730 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 465 sqft |
| Patio Area | 465 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 116 |
|---|---|
| Street Address | 37635 OCEAN REEF |
| 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 | 11 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 201600 |
Source: Lake County records, as of May 21, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 10, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2006 · Amount on Record |
| Deed Sale | Apr 27, 2006 · Amount on Record |
| Prior Sale | Apr 27, 2006 · Amount on Record |
| Deed Document Number | 0000016308 |
| Last Transfer Date | May 10, 2024 |
| Transfer Doc | 0000008891 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 27, 2026 |
| Property Address | 37635 OCEAN REEF, 7/37635-C, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000016550 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202616550 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 37635 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000016550, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202616550 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 19, 2051 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | May 10, 2024 |
| Property Address | 37635 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000008891 |
| Map Reference | MB 18 PG 29 |
| Instrument Date | May 1, 2024 |
| Instrument | 2024R008891 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 37635 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
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 | $4,979.00 (+83.39%) Homeowner's exemption Senior Citizen's exemption | $52,590 (-) Land $12,080 Building $40,510 | |
| 2022 | $2,715.00 Homeowner's exemption Senior Citizen's exemption | $52,590 Land $12,080 Building $40,510 | |
| 2021 | $150,250 Land $34,500 Building $115,750 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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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