10145 S River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 10145 S River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,075 sqft · built 1976
Lot Size	5.68 acres (247,399 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,939 (2024)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`91-35876`

Property Details

APN / Parcel Number

Primary APN	`91-35876`
Alternative APN	`32023019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,075 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	1,153 sqft
2nd Floor Area	922 sqft
Basement Area	1,127 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood
Lot Area	247,399 sqft (5.68 acres)
Lot Width	398 ft Width
Garage Type	Detached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Deck Area	213 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10145 S RIVER RD
City	WATERVILLE
State	OH
Zip	43566-9537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	22-A
Legal Description	MC NABB TRACT THT PT SW 80 AC LYING SE OF CEN RIVER RD & NW
Legal Subdivision	MC NABB TR
Legal Tract	89.02
Jurisdiction	LUCAS OH
Township / Civil Division	WATERVILLE
Census Block Group	1
Census Block	1014
Census Tract	8906

Owner

10145 S River Rd is owned and occupied by two individuals who acquired it in November 1998.

Source: Lucas County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10145 S RIVER RD, WATERVILLE, OH 43566-9537
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit SUN FEDERAL CREDIT UNION
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit SUN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 1992
Deed Sale	Jul 13, 1992
Last Transfer Date	Nov 17, 1998
Transfer Doc	0000021255
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Recording Date	Sep 9, 2026
Property Address	10145 S RIVER RD, WATERVILLE, OH 43566-9537
Document Number	0000035000
Instrument Date	Aug 21, 2026
Instrument	202635000
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	OHIO TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286

Mortgage

Document Number	0000035000,
Date	Sep 9, 2026
Instrument	202635000

Lender

Name	SUN FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	10145 S RIVER RD, WATERVILLE, OH 43566-9537
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008036
Date	Mar 18, 2024
Instrument	20240318-0008036

Lender

Name	SUN FCU
Type	Credit Union
Address	1627 HOLLAND RD, MAUMEE, OH 43537

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 17, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
County Subdivision	Waterville Township
Unified School District	Anthony Wayne Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$122,465 (-) Land $23,625 Building $98,840	$349,900 (-) Land $67,500 Building $282,400
2024	$5,939.00 (+17.88%) Homeowner's exemption	$122,465 (+35.52%) Land $23,625 Building $98,840	$349,900 Land $67,500 Building $282,400
2023	$5,038.00 (-1.2%) Homeowner's exemption	$90,370 (-) Land $20,265 Building $70,105
2022	$5,099.00 Homeowner's exemption	$90,370 Land $20,265 Building $70,105
2021			$258,200 Land $57,900 Building $200,300

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

Flood

FEMA maps place 10145 S River Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · 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
Nearby Flood Policies	9 in force

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

Wildfire risk around 10145 S River Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
M2X Communications Fiber	750 / 750
MetaLINK Technologies Fixed Wireless	200 / 50

May also be available: Amplex Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S River Rd

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