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

Lucas County property record for 109 S 3rd St, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1950
Lot Size	0.266 acres (11,600 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Jun 2020)
Tax Bill	$3,465 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`96-11184`

Property Details

APN / Parcel Number

Primary APN	`96-11184`
Alternative APN	`46012012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Attic	Attic
Attic Area	1,152 sqft

Exterior

Year Built	Built 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	11,600 sqft (0.266 acres)
Lot Dimensions	140 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 S 3RD ST
City	WATERVILLE
State	OH
Zip	43566-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R2
Legal Description	WATERVILLE VILLAGE LOT 112 & 1/2 ALLEY ADJ VAC
Legal Subdivision	WATERVILLE VILLAGE
Legal Lot Number	112
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	1
Census Block	1004
Census Tract	8906

Owner

109 S 3rd St is owned and occupied by an individual who bought it in June 2020.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	109 S 3RD ST, WATERVILLE, OH 43566-1416
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020 · Amount on File
Deed Sale	Jun 19, 2020 · Amount on File
Prior Sale	Jul 2, 2014 · Amount on File
Deed Document Number	202006190024272
Record Updated	Jun 8, 2026

June 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Jun 19, 2020
Property Address	109 S 3RD ST, WATERVILLE, OH 43566-1416
Document Number	0000024272
Map Reference	VOL 2B PG 113
Instrument Date	May 29, 2020
Instrument	202006190024272
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	LIBERTY TITLE

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	109 S 3RD ST, WATERVILLE, OH 43566-1416

Mortgage

Document Number	0000024273
Date	Jun 19, 2020
Instrument	202006190024273

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 S 3rd St was $3,465, up 4.8% from the year before.

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	$3,465.00 (+4.84%)	$68,215 (-) Land $13,720 Building $54,495
2024	$3,305.00 (+22.45%)	$68,215 (+38.03%) Land $13,720 Building $54,495	$194,900 Land $39,200 Building $155,700
2023	$2,699.00 (-0.95%)	$49,420 (-) Land $12,320 Building $37,100
2022	$2,725.00 Homeowner's exemption	$49,420 Land $12,320 Building $37,100
2021			$141,200 Land $35,200 Building $106,000

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 109 S 3rd St in Zone X, an area of minimal flood risk.

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

The area around 109 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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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