105 Rutledge Dr, Waterville, OH 43566 Property Records

Lucas County property record for 105 Rutledge Dr, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,900 sqft · built 1987
Lot Size	0.376 acres (16,400 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (May 2017)
Tax Bill	$5,239 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`96-13237`

Property Details

APN / Parcel Number

Primary APN	`96-13237`
Alternative APN	`46066062`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,900 sqft Living Area
1st Floor Area	956 sqft
2nd Floor Area	944 sqft
Basement Area	956 sqft

Exterior

Year Built	Built 1987
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	16,400 sqft (0.376 acres)
Lot Dimensions	205 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	312 sqft
Deck Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	105 RUTLEDGE DR
City	WATERVILLE
State	OH
Zip	43566-1144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R1
Legal Description	WATERBURY PLAT 3 LOT 72
Legal Subdivision	WATERBURY
Legal Lot Number	72
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	2
Census Block	2035
Census Tract	8905

Owner

Source: Lucas County records, as of February 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 24, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 24, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 24, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 24, 2017	Fiduciary Deed, Transfer · Conventional Mortgage GLASS CITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2017 · Amount on Record
Deed Sale	May 24, 2017 · Amount on Record
Prior Sale	Nov 28, 2016
Deed Document Number	17103579
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 RUTHLEDGE DR, SHERWOOD, OH 43556

Mortgage

Document Number	0000045338
Date	Dec 16, 2025
Instrument	202512160045338

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031993
Date	Jun 24, 2021
Instrument	202106240031993

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031992
Date	Jun 24, 2021
Instrument	202106240031992

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037223
Date	Aug 24, 2018
Instrument	201808240037223

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	May 24, 2017
Property Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144
Document Number	0000021518
Instrument Date	May 15, 2017
Instrument	201705240021518
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	105 RUTLEDGE DR, WATERVILLE, OH 43566-1144

Mortgage

Document Number	0000021519
Date	May 24, 2017
Instrument	201705240021519

Lender

Name	GLASS CITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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	$5,239.00 (+4.82%)	$103,145 (-) Land $22,260 Building $80,885
2024	$4,998.00 (+15.03%)	$103,145 (+28.35%) Land $22,260 Building $80,885	$294,700 (+28.35%) Land $63,600 Building $231,100
2023	$4,345.00 (-1.87%)	$80,360 (-) Land $17,535 Building $62,825
2022	$4,428.00 Homeowner's exemption	$80,360 Land $17,535 Building $62,825
2021			$229,600 Land $50,100 Building $179,500

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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