10508 Water St, Defiance, OH 43512 Property Records

Defiance County property record for 10508 Water St, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1954
Lot Size	0.404 acres (17,598 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Dec 2022)
Tax Bill	$1,598 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I130015B08300`

Property Details

APN / Parcel Number

Primary APN	`I130015B08300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	200 ft deep x 88 ft wide
Garage Type	Carport
Garage Area	416 sqft
Carport	Carport
Carport Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft
Silo	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	10508 WATER ST
City	DEFIANCE
State	OH
Zip	43512-1248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRUNERSBURG LOT 40, 41 & 42 PT AND 43 WH
Legal Subdivision	BRUNERSBURG
Legal Lot Number	40-42
Jurisdiction	DEFIANCE OH
Township / Civil Division	NOBLE
Census Block Group	1
Census Block	1012
Census Tract	958400

Owner

10508 Water St is owned and occupied by two individuals who bought it in December 2022.

Source: Defiance County records, as of October 2, 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	10508 WATER ST, DEFIANCE, OH 43512-1248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Deed Document Number	20225490
Deed Book / Page	453 / 2390
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	10508 WATER ST, DEFIANCE, OH 43512-1248
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10508 WATER ST, DEFIANCE, OH 43512-1248

Mortgage

Document Number	00477/1962
Date	Dec 1, 2025
Book Page	477/1962
Instrument	202500005664

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2045

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Dec 16, 2022
Property Address	10508 WATER ST, DEFIANCE, OH 43512-1248
Document Number	00453/2390
Book / Page	453 / 2390
Map Reference	VOL 6 PG 367
Instrument Date	Dec 16, 2022
Instrument	202200005490
Transaction Type	Transfer
Record Updated	Jan 3, 2023

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	Right of Survivorship
Address	10508 WATER ST, DEFIANCE, OH 43512-1248

Mortgage

Document Number	202200005491
Date	Dec 16, 2022
Instrument	202200005491

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 10508 Water St was $1,598.

Source: Defiance County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Defiance County
County Subdivision	Noble Township
Unified School District	Northeastern Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,598.00	$45,530 (-) Land $2,960 Building $42,570
2024	$1,598.00 (-1.36%)	$45,530 (-) Land $2,960 Building $42,570	$130,090 (+%) Land $8,450 Building $121,640
2023	$1,620.00 (+26.96%)	$45,530 (+50.61%) Land $2,960 Building $42,570	$130,085 Land $8,457 Building $121,628
2022	$1,276.00	$30,230 Land $2,890 Building $27,340
2020			$86,360 Land $8,250 Building $78,110

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 10508 Water St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10508 Water 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	DEFIANCE CITY serves 16,494 people · EPA ID OH2000111
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2022
Treatment and Procedure	Corrosion control Jan 2018
Monitoring and Reporting	2 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies.

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