10557 Water St, Defiance, OH 43512 Property Records

Defiance County property record for 10557 Water St, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 1956
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on File
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Jul 2006 Line of Credit Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I130015B05900`

Property Details

APN / Parcel Number

Primary APN	`I130015B05900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,672 sqft Living Area
Gross Area	3,804 sqft
1st Floor Area	1,672 sqft
Basement Area	1,672 sqft
Unfinished Basement	1,672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1970
Exterior Material	Brick
Construction Type	Brick
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	150 ft deep x 88 ft wide
Garage Type	Attached - Unfinished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	10557 WATER ST
City	DEFIANCE
State	OH
Zip	43512-1247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRUNERSBURG LOT 46 PT & 47 WH 22 FT OFF 46 LOT
Legal Subdivision	BRUNERSBURG
Legal Lot Number	46
Jurisdiction	DEFIANCE OH
Township / Civil Division	NOBLE
Census Block Group	1
Census Block	1012
Census Tract	958400

Owner

10557 Water St is owned and occupied by an individual who acquired it in May 2017.

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	Individual Name on File
Mailing Address	10557 WATER ST, DEFIANCE, OH 43512-1247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2006	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK OF THE MIDWEST
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit MIDWEST COMMUNITY FCU
May 26, 2017	Affidavit, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 24, 2017
Transfer Doc	00404/1269
Record Updated	Oct 29, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	10557 WATER ST, DEFIANCE, OH 43512-1247
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00308/1053
Date	Jul 28, 2006
Book Page	308/1053
Instrument	200600005142

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	10557 WATER ST, DEFIANCE, OH 43512-1247
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10557 WATER ST, DEFIANCE, OH 43512-1247

Mortgage

Document Number	00454/2349
Date	Feb 13, 2023
Book Page	454/2349
Instrument	202300000460

Lender

Name	MIDWEST COMMUNITY FCU
Type	Credit Union
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Feb 8, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	DEFIANCE OH
Recording Date	May 26, 2017
Property Address	10557 WATER ST, DEFIANCE, OH 43512-1247
Document Number	00404/1269
Book / Page	404 / 1269
Instrument Date	May 24, 2017
Instrument	201700002308
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25230 NAGEL RD, DEFIANCE, OH 43512-9635

Tax Assessment & Valuation

The 2025 property tax bill for 10557 Water St was $1,488 with a homeowner's exemption.

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	$1,488.00 Homeowner's exemption	$53,500 (-) Land $2,620 Building $50,880
2024	$1,488.00 (-3.5%) Homeowner's exemption	$53,500 (-) Land $2,620 Building $50,880	$152,850 (%) Land $7,480 Building $145,370
2023	$1,542.00 (+6.86%) Homeowner's exemption	$53,500 (+22.4%) Land $2,620 Building $50,880	$152,856 Land $7,485 Building $145,371
2022	$1,443.00 Homeowner's exemption	$43,710 Land $2,560 Building $41,150
2020			$124,860 Land $7,300 Building $117,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10557 Water St in Zone X, an area of minimal flood risk, within 500 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 500 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 10557 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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