10365 Co Rd 4, Waterloo, OH 45688 Property Records

Lawrence County property record for 10365 Co Rd 4, Waterloo, OH 45688

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 2 ba · 3,220 sqft · built 1910
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Nov 2024)
Tax Bill	$807 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-035-0500.002`

Property Details

APN / Parcel Number

Primary APN	`20-035-0500.002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,220 sqft Gross Area
1st Floor Area	1,288 sqft
Upper Floors Area	1,288 sqft
Basement Area	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Lot Area	435,600 sqft (10 acres)
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Open Brick Porch
Porch Area	912 sqft
Lean-To	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	10365 COUNTY ROAD 4
City	WATERLOO
State	OH
Zip	45688-9336
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	17-5-34 PT E PT SE PT 10.00ACS
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1064
Census Tract	50600

Owner

10365 Co Rd 4, an agricultural property, is owned by two individuals who bought it in November 2024.

Source: Lawrence County records, as of June 16, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	10365 COUNTY ROAD 4, WATERLOO, OH 45688-9336
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2024 · Amount on File
Deed Sale	Nov 7, 2024 · Amount on File
Prior Sale	Mar 7, 2014 · Amount on File
Deed Document Number	20245630
Deed Book / Page	1244 / 688
Record Updated	Oct 29, 2026

November 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	LAWRENCE OH
Recording Date	Nov 7, 2024
Property Address	10365 COUNTY ROAD 4, WATERLOO, OH 45688-9336
Document Number	0000005630
Book / Page	1244 / 688
Instrument Date	Oct 22, 2024
Instrument	2024-00005630
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	BEST TITLE AGENCY, BESTITLE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	Joint Tenants with Right of Survivorship
Address	10365 COUNTY ROAD 4, WATERLOO, OH 45688-9336

Mortgage

Document Number	0000005631
Date	Nov 7, 2024
Instrument	2024-00005631

Lender

Name	IBEW 317 FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 10365 Co Rd 4 was $807.

Source: Lawrence County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Lawrence County
County Subdivision	Symmes Township
Unified School District	Symmes Valley Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$807.00	$29,509 Land $10,073 Building $19,436	$84,310 Land $28,780 Building $55,530
2023	$882.00 (+0.23%) Homeowner's exemption	$31,390 (-) Land $7,420 Building $23,970
2022	$880.00 Homeowner's exemption	$31,390 Land $7,420 Building $23,970	$89,690 Land $21,200 Building $68,490

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 10365 Co Rd 4 in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective April 1, 2015 · 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 Claims	9 (2000–2017)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Mar 2017 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2011 · 2 claims

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 10365 Co Rd 4 is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 98.4% of Ohio
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HECLA WATER ASSOCIATION private · serves 34,942 people · EPA ID OH4401612
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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