5645 Reef Rd, Mentor, OH 44060 Property Records

Lake County property record for 5645 Reef Rd, Mentor, OH 44060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,364 sqft · built 1973
Lot Size	0.206 acres (8,999 sqft)
Owner	Individual Name on File
Last Sale	$179,900 (Dec 2019)
Tax Bill	$8,579 (2023)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-A-092-D-00-054-0`

Property Details

APN / Parcel Number

Primary APN	`19-A-092-D-00-054-0`
Alternative APN	`37`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	960 sqft
Basement Area	336 sqft
Finished Basement	336 sqft
Family Room	Family Room
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1990
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,999 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	24 sqft
Patio Area	444 sqft
Balcony	Balcony
Balcony Area	68 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	37
Street Address	5645 REEF RD
City	MENTOR ON THE LAKE
State	OH
Zip	44060-2537
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 Lot Number	347 6
Jurisdiction	LAKE OH
Township / Civil Division	MENTOR-ON-THE-LAKE
Census Block Group	1
Census Block	1010
Census Tract	202500

Owner

Source: Lake County assessment roll, as of August 1, 2023

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
Mailing Address	5645 REEF RD, MENTOR ON THE LAKE, OH 44060-2537
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 2019 · Amount on Record
Deed Sale	Dec 18, 2019 · Amount on Record
Prior Sale	Dec 15, 2014 · Amount on Record
Deed Document Number	449606
Record Updated	Jun 7, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Dec 18, 2019
Property Address	5645 REEF RD, MENTOR ON THE LAKE, OH 44060-2537
Document Number	0000031283
Instrument Date	Dec 17, 2019
Instrument	31283
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$719.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8100 AMBERLEY DR MENTOR ON THE LAKE OH 440606074, MENTOR ON THE LAKE, OH 44060-6074

Mortgage

Document Number	31284
Date	Dec 18, 2019
Instrument	31284

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

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
2023	$8,579.00 (+109.76%) Homeowner's exemption	$67,050 (-) Land $18,200 Building $48,850
2022	$4,090.00 Homeowner's exemption	$67,050 Land $18,200 Building $48,850
2021			$191,570 Land $52,000 Building $139,570

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.

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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 USA Fixed Wireless	100 / 20