Lake County property record for 37659 Ocean Reef, Willoughby, OH 44094
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1992 |
| Lot Size | 0.034 acres (1,465 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $97,100 (Nov 1992) |
| Tax Bill | $4,805 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 27-B-043-A-00-032-0 |
| Primary APN | 27-B-043-A-00-032-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| 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 | 1,465 sqft (0.034 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 90 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 37659 OCEAN REEF, 7/3763 |
|---|---|
| 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, 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 | 37659 OCEAN REEF, 7/37635-F, WILLOUGHBY, OH 44094-6412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 1992 · Amount on Record |
| Deed Sale | Nov 5, 1992 · Amount on Record |
| Last Transfer Date | Mar 11, 2019 |
| Transfer Doc | 0000007931 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37659 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000038193 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 2021R038193 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37659 OCEAN REEF, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000000746 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 37659 OCEAN REEF WILLOUGHBY OH 440946412, WILLOUGHBY, OH 44094-6412 |
| Document Number | 0000000746 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | 746 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2049 |
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 | Homeowner's exemption | $63,340 (+24.78%) Land $15,120 Building $48,220 | $180,970 (+24.81%) Land $43,200 Building $137,770 |
| 2023 | $4,805.00 (+84.52%) Homeowner's exemption Senior Citizen's exemption | $50,760 (-) Land $12,080 Building $38,680 | |
| 2022 | $2,604.00 Homeowner's exemption Senior Citizen's exemption | $50,760 Land $12,080 Building $38,680 | |
| 2021 | $145,000 Land $34,500 Building $110,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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