37643 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37643 Ocean Reef, Willoughby, OH 44094

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,458 sqft · built 1992
Lot Size	0.369 acres (16,113 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,762 (2023)
Deeds & Mortgages	Dec 2021 Second Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`27-B-043-A-00-030-0`

Property Details

APN / Parcel Number

Primary APN	`27-B-043-A-00-030-0`
Alternative APN	`117`

Interior

Bedrooms	3 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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	16,113 sqft
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	117
Street Address	37643 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

Owner

Source: Lake County records · APN 27-B-043-A-00-030-0

Assessment roll updated August 1, 2023 · Last verified May 2024

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	37643 OCEAN REEF, WILLOUGHBY, OH 44094-6412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LCE FCU
Mar 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BK/NJ

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2014
Deed Sale	Dec 01, 2014
Prior Sale	Jul 22, 2014 · Amount on Record
Deed Document Number	2014R029794
Record Updated	Jun 07, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37643 OCEAN REEF, WILLOUGHBY, OH 44094-6412
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	OHIO REAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044285
Date	Dec 17, 2021
Instrument	2021R044285

Lender

Name	LCE FCU
Type	Credit Union
Address	PAINESVILLE, OH 44077

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 03, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	37643 OCEAN REEF, WILLOUGHBY, OH 44094-6412
Document Number	0000007883
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7940 PLAZA BLVD MENTOR OH 440605517, MENTOR, OH 44060-5517

Mortgage

Document Number	0000007883
Date	Apr 03, 2018
Instrument	7883

Lender

Name	PNC BK/NJ
Type	Bank
Address	MENTOR, OH 44060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,762.00 (+53.61%) Homeowner's exemption	$50,300 (-) Land $12,080 Building $38,220
2022	$3,100.00 Homeowner's exemption	$50,300 Land $12,080 Building $38,220
2021			$143,690 Land $34,500 Building $109,190

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 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

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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