Lake County property record for 5650 Reef Rd, Mentor, OH 44060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,644 sqft · built 1972 |
| Lot Size | 0.207 acres (8,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $116,900 (Jun 1995) |
| Tax Bill | $7,325 (2023) |
| Deeds & Mortgages | Jul 2026 Construction Loan Nov 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-A-092-D-00-032-0 |
| Primary APN | 19-A-092-D-00-032-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,644 sqft Living Area |
| 1st Floor Area | 1,122 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,999 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5650 REEF RD |
|---|---|
| City | MENTOR ON THE LAKE |
| State | OH |
| Zip | 44060-2538 |
| 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 | 283 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | MENTOR-ON-THE-LAKE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 202500 |
Source: Lake County records, as of August 3, 2026
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 |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK |
| Nov 16, 2023 | Transfer on Death Deed, Transfer |
| Nov 16, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 1995 · Amount on Record |
| Deed Sale | Jun 20, 1995 · Amount on Record |
| Last Transfer Date | Nov 15, 2023 |
| Transfer Doc | 0000023114 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Jul 22, 2026 |
| Property Address | 5650 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000016178 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202616178 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5650 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000016178, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202616178 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Nov 16, 2023 |
| Property Address | 5650 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000023115 |
| Map Reference | VOL P PG 4 |
| Instrument Date | Aug 29, 2023 |
| Instrument | 2023R023115 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Nov 16, 2023 |
| Property Address | 5650 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
| Document Number | 0000023114 |
| Map Reference | VOL P PG 4 |
| Instrument Date | Aug 29, 2023 |
| Instrument | 2023R023114 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5650 REEF RD, MENTOR ON THE LAKE, OH 44060-2538 |
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Mentor-on-the-Lake City |
| Unified School District | Mentor Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $72,920 (+27.37%) Land $21,440 Building $51,480 | $208,350 (+27.38%) Land $61,270 Building $147,080 | |
| 2023 | $7,325.00 (+125.87%) Homeowner's exemption | $57,250 (-) Land $18,200 Building $39,050 | |
| 2022 | $3,243.00 Homeowner's exemption | $57,250 Land $18,200 Building $39,050 | |
| 2021 | $163,570 Land $52,000 Building $111,570 |
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.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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