Lake County property record for 5646 Reef Rd, Mentor, OH 44060 · Last verified May 2024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,656 sqft · built 1971 |
| Lot Size | 0.206 acres (8,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $229,900 (Jul 2021) |
| Tax Bill | $8,073 (2023) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-A-092-D-00-033-0 |
| Primary APN | 19-A-092-D-00-033-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,656 sqft Living Area |
| 1st Floor Area | 648 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,999 sqft (0.206 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 252 sqft |
|---|---|
| Patio Area | 252 sqft |
| Balcony | Balcony |
| Balcony Area | 66 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 44 |
|---|---|
| Street Address | 5646 REEF RD |
| City | MENTOR ON THE LAKE |
| State | OH |
| Zip | 44060-2538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| 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 | 284 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | MENTOR-ON-THE-LAKE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 202500 |
Source: Lake County records · APN 19-A-092-D-00-033-0
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5646 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2021 | Warranty Deed, Transfer · VA Mortgage POLARIS HOME FUNDING CORP |
| Jun 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 27, 2021 · Amount on Record |
| Deed Sale | Jul 27, 2021 · Amount on Record |
| Prior Sale | Jun 02, 2021 · Amount on Record |
| Deed Document Number | 464471 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 27, 2021 |
| Property Address | 5646 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000025833 |
| Map Reference | VOL P PG 4 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 2021R025833 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Title Company | OHIO REAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 5646 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000025834 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021R025834 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jun 02, 2021 |
| Property Address | 5646 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000018814 |
| Map Reference | VOL P PG 4 |
| Instrument Date | Jun 01, 2021 |
| Instrument | 2021R018814 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | LAKE COUNTY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 6850 MILLER RD, BRECKSVILLE, OH 44141-3222 |
| Document Number | 0000018815 |
|---|---|
| Date | Jun 02, 2021 |
| Instrument | 2021R018815 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Mentor-on-the-Lake City |
| Unified School District | Mentor Exempted Village 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 |
|---|---|---|---|
| 2023 | $8,073.00 (+126.13%) Homeowner's exemption | $63,090 (-) Land $18,200 Building $44,890 | |
| 2022 | $3,570.00 Homeowner's exemption | $63,090 Land $18,200 Building $44,890 | |
| 2021 | $180,260 Land $52,000 Building $128,260 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852025001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| 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 |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 518 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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