Lake County property record for 37675 Ocean Reef, Willoughby, OH 44094 · Last verified July 2026
| Property Type | Residential > Condominium / Townhouse > Condominium |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Architecture Style | Condo/Apartment |
| Year Built | Built 1992 |
| Square Footage | 1,332 sqft Living Area |
| Lot Size | 1,629 sqft (0.037 acres) |
| Garage | 360 sqft |
| Last Sale | $144,400 (2019) |
Source: Lake County records · APN 27-B-043-A-00-012-0
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 | Individual Name on File |
|---|---|
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 08, 2024 | Transfer on Death Deed, Transfer |
| Feb 15, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 03, 2019 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 03, 2019 · Amount on Record |
| Deed Sale | Jul 03, 2019 · Amount on Record |
| Prior Sale | Jun 22, 1995 · Amount on Record |
| Deed Doc Number | 201915309 |
| Prior Transfer Date | Aug 31, 2011 |
| Prior Transfer Doc | 0000024547 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Mar 08, 2024 |
| Property Address | 37675 OCEAN REEF, WILLOUGHBY, OH 44094-6434 |
| Document Number | 0000004338 |
| Map Reference | MB 17 PG 20 |
| Instrument Date | Feb 25, 2024 |
| Instrument | 2024R004338 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37675 OCEAN REEF, WILLOUGHBY, OH 44094-6434 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 37675 OCEAN REEF, WILLOUGHBY, OH 44094-6434 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003241 |
|---|---|
| Date | Feb 15, 2019 |
| Instrument | 2019R003241 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 07, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 03, 2019 |
| Property Address | 37675 OCEAN REEF, WILLOUGHBY, OH 44094-6434 |
| Document Number | 0000015309 |
| Map Reference | VOL 661 PG 936 |
| Instrument Date | Jul 01, 2019 |
| Instrument | 2019R015309 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 37675 OCEAN REEF, WILLOUGHBY, OH 44094-6434 |
| Document Number | 0000015310 |
|---|---|
| Date | Jul 03, 2019 |
| Instrument | 2019R015310 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
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 | $63,400 (+24.68%) Land $15,120 Building $48,280 | $181,140 (+24.68%) Land $43,200 Building $137,940 | |
| 2023 | $4,814.00 (+53.65%) Homeowner's exemption | $50,850 (-) Land $12,080 Building $38,770 | |
| 2022 | $3,133.00 Homeowner's exemption | $50,850 Land $12,080 Building $38,770 | |
| 2021 | $145,280 Land $34,500 Building $110,780 |
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 | Moderate |
| 500-Year Floodplain | Yes |
| 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.
| Primary APN | 27-B-043-A-00-012-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Building Area | 1,332 sqft Living Area |
| 1st Floor | 612 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Condo/Apartment Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 1,629 sqft (0.037 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 360 sqft Garage |
| Patio Area | 160 sqft Patio |
| Porch Area | 90 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 37675 OCEAN REEF, 6/37675-B |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6434 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LOT 115 GORE TRACT |
| Legal Subdivision | SMUGLERS COVE CONDOMINIUM |
| Legal Block | 1 |
| Legal Lot Number | 115 |
| Jurisdiction | LAKE OH |
| Minor Civil Division | WILLOUGHBY |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 201600 |
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