104 S 3rd St, Waterville, OH 43566 Property Records

Lucas County property record for 104 S 3rd St, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,404 sqft · built 1898
Lot Size	0.156 acres (6,774 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Sep 2020)
Tax Bill	$2,670 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`96-11334`

Property Details

APN / Parcel Number

Primary APN	`96-11334`
Alternative APN	`46014001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Wood
Lot Area	6,774 sqft (0.156 acres)
Lot Dimensions	83 ft deep x 82 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	104 S 3RD ST
City	WATERVILLE
State	OH
Zip	43566-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-C2
Legal Description	WATERVILLE VILLAGE LOT 130 EXC W 50 FT
Legal Subdivision	WATERVILLE VILLAGE
Legal Tract	89.02
Legal Lot Number	130
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	1
Census Block	1002
Census Tract	8906

Owner

Source: Lucas County records, as of September 18, 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	104 S 3RD ST, WATERVILLE, OH 43566-1415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit GEORGIA BANKING COMPANY
Sep 29, 2020	Grant Deed, Transfer · Conventional Mortgage ZINGG-ZANG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Prior Sale	May 17, 2010 · Amount on File
Deed Document Number	202042626
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Recording Date	Aug 28, 2026
Property Address	104 S 3RD ST, WATERVILLE, OH 43566-1415
Document Number	0000033817
Instrument Date	Aug 21, 2026
Instrument	202633817
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 S 3RD ST, WATERVILLE, OH 43566-1415

Mortgage

Document Number	0000033817,
Date	Aug 28, 2026
Instrument	202633817

Lender

Name	GEORGIA BANKING COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LUCAS OH
Recording Date	Sep 29, 2020
Property Address	104 S 3RD ST, WATERVILLE, OH 43566-1415
Document Number	0000042626
Instrument Date	Sep 19, 2020
Instrument	42626
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
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	104 S 3RD ST WATERVILLE OH 435661415, WATERVILLE, OH 43566-1415

Mortgage

Document Number	42627
Date	Sep 29, 2020
Instrument	42627

Lender

Name	ZINGG-ZANG LLC
Address	PO BOX 229, WATERVILLE, OH 43566-0229

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 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		$53,970 (-) Land $9,870 Building $44,100	$154,200 (-) Land $28,200 Building $126,000
2024	$2,670.00 (-17%)	$53,970 (+22.77%) Land $9,870 Building $44,100	$154,200 (+22.77%) Land $28,200 Building $126,000
2023	$3,217.00 (+91.15%)	$43,960 (-) Land $8,155 Building $35,805
2022	$1,683.00	$43,960 Land $8,155 Building $35,805
2021			$125,600 Land $23,300 Building $102,300

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

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

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

Wildfire Risk	Not rated no burnable land within 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Buckeye Cablesystem Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Amplex Wireless.

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