103 Karyl St, Waterville, OH 43566 Property Records

Lucas County property record for 103 Karyl St, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,834 sqft · built 1976
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Oct 2022)
Tax Bill	$4,507 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`96-08781`

Property Details

APN / Parcel Number

Primary APN	`96-08781`
Alternative APN	`46062008`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	1,834 sqft Living Area
1st Floor Area	974 sqft
2nd Floor Area	860 sqft
Basement Area	574 sqft

Exterior

Year Built	Built 1976
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Slab (Mat/Raft)
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	150 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	103 KARYL ST
City	WATERVILLE
State	OH
Zip	43566-1044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R2
Legal Description	CRESTWOOD MANOR LOT 48
Legal Subdivision	CRESTWOOD MANOR
Legal Lot Number	48
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	2
Census Block	2007
Census Tract	8906

Owner

103 Karyl St is owned and occupied by an individual who bought it in October 2022.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	103 KARYL ST, WATERVILLE, OH 43566-1044
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
Oct 3, 2022	Fiduciary Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Deed Document Number	202210030043361
Record Updated	Jun 8, 2026

October 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	Oct 3, 2022
Property Address	103 KARYL ST, WATERVILLE, OH 43566-1044
Document Number	0000043361
Map Reference	VOL 67 PG 23
Instrument Date	Sep 28, 2022
Instrument	202210030043361
Transaction Type	Transfer
Record Updated	Oct 11, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	103 KARYL ST, WATERVILLE, OH 43566-1044

Mortgage

Document Number	0000043362
Date	Oct 3, 2022
Instrument	202210030043362

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	103 KARYL ST, WATERVILLE, OH 43566-1044
Document Number	0000009316
Instrument Date	Mar 6, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 KARYL ST WATERVILLE OH 435661044, WATERVILLE, OH 43566-1044

Mortgage

Document Number	0000009316
Date	Mar 14, 2019
Instrument	9316

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 103 Karyl St was $4,507 with a homeowner's exemption, up 4.7% from the year before.

Source: Lucas County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,507.00 (+4.67%) Homeowner's exemption	$88,865 (-) Land $16,450 Building $72,415
2024	$4,306.00 (+14.58%) Homeowner's exemption	$88,865 (+29.08%) Land $16,450 Building $72,415	$253,900 Land $47,000 Building $206,900
2023	$3,758.00 (+13.19%) Homeowner's exemption	$68,845 (-) Land $13,580 Building $55,265
2022	$3,320.00 Homeowner's exemption	$68,845 Land $13,580 Building $55,265
2021			$196,700 Land $38,800 Building $157,900

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

FEMA maps place 103 Karyl St 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	1 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 103 Karyl St 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.

Drinking Water

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

Water System	WATERVILLE CITY serves 6,500 people · EPA ID OH4801503
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, MetaLINK Technologies.

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