5530 Reef Rd, Mentor, OH 44060 Property Records

Lake County property record for 5530 Reef Rd, Mentor, OH 44060

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,518 sqft · built 1969
Lot Size	0.22 acres (9,574 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,076 (2023)
Deeds & Mortgages	May 2023 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-A-092-C-00-006-0`

Property Details

APN / Parcel Number

Primary APN	`19-A-092-C-00-006-0`
Alternative APN	`83`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,518 sqft Living Area
Gross Area	1,758 sqft
1st Floor Area	1,080 sqft
Basement Area	360 sqft
Finished Basement	360 sqft
Family Room	Family Room

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,574 sqft (0.22 acres)
Lot Dimensions	133 ft deep x 72 ft wide
View / Lot	Extra Front
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	264 sqft
Deck Area	208 sqft
Patio Area	310 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5530 REEF RD
City	MENTOR ON THE LAKE
State	OH
Zip	44060-2536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	LOT 1, 6 & 7 TRACT 12 & LOT 7 TRACT 16
Legal Subdivision	LAKEWAY SUBDIVISON NO. 1
Legal Tract	12,16
Legal Block	1
Legal Lot Number	300
Jurisdiction	LAKE OH
Township / Civil Division	MENTOR-ON-THE-LAKE
Census Block Group	1
Census Block	1012
Census Tract	202500

Owner

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	2 Individual Names on Record
Mailing Address	5530 REEF RD, MENTOR ON THE LAKE, OH 44060-2536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Intrafamily Transfer, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
Feb 7, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023
Deed Sale	May 10, 2023
Prior Sale	Jul 31, 2001 · Amount on Record
Deed Document Number	20238598
Prior Transfer Date	Apr 24, 2023
Prior Transfer Doc	0000008598
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE OH
Recording Date	May 10, 2023
Property Address	5530 REEF RD, MENTOR ON THE LAKE, OH 44060-2536
Document Number	0000008598
Map Reference	VOL P PG 4
Instrument Date	Apr 24, 2023
Instrument	2023R008598
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	NOT AVAILABLE, BCHH

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5530 REEF RD, MENTOR ON THE LAKE, OH 44060-2536

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5530 REEF RD, MENTOR ON THE LAKE, OH 44060-2536

Mortgage

Document Number	0000008599
Date	May 10, 2023
Instrument	2023R008599

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE OH
Property Address	5530 REEF RD, MENTOR ON THE LAKE, OH 44060-2536
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003025
Date	Feb 7, 2018
Instrument	2018R003025

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 2, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lake County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Mentor-on-the-Lake City
Unified School District	Mentor Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$70,470 (+27.43%) Land $20,900 Building $49,570	$201,360 (+27.46%) Land $59,720 Building $141,640
2023	$7,076.00 (+125.78%) Homeowner's exemption	$55,300 (-) Land $17,760 Building $37,540
2022	$3,134.00 Homeowner's exemption	$55,300 Land $17,760 Building $37,540
2021			$157,980 Land $50,730 Building $107,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2013–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2019 · river or lake flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUA OHIO - MENTOR private · serves 74,500 people · EPA ID OH4301511
Water Source	Surface water
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 518 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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