10917 Co Rd 14, Waterloo, OH 45688 Property Records

Lawrence County property record for 10917 Co Rd 14, Waterloo, OH 45688

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,408 sqft · built 2008
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Aug 2012)
Tax Bill	$2,290 (2023)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-021-1100.001`

Property Details

APN / Parcel Number

Primary APN	`20-021-1100.001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,408 sqft Living Area
Gross Area	2,944 sqft
1st Floor Area	1,408 sqft
Upper Floors Area	600 sqft
Attic Area	768 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 2008
Exterior Material	Frame/Aluminum
Construction Type	Frame
Foundation Type	Raised
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Mixed
Garage Area	1,500 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	704 sqft
Deck Area	20 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	10917 COUNTY ROAD 14
City	WATERLOO
State	OH
Zip	45688-9302
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	17-05-24 PT E1/2 NW PT .93A
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1039
Census Tract	50600

Owner

10917 Co Rd 14, a rural home, is owned by an individual who bought it in August 2012.

Source: Lawrence County records, as of May 3, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 14, WATERLOO, OH 45688-0014
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

Date	Document
Jun 26, 2025	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2012 · Amount on File
Deed Sale	Aug 30, 2012 · Amount on File
Prior Sale	Sep 16, 2008
Deed Document Number	145050
Deed Book / Page	689 / 133
Record Updated	Sep 20, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Jun 26, 2025
Property Address	10917 COUNTY ROAD 14, WATERLOO, OH 45688-9302
Document Number	0000003171
Book / Page	1271 / 310
Instrument Date	May 19, 2025
Instrument	2025-00003171
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	BEST TITLE AGENCY, BESTITLE TITLE AGENCY

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10917 COUNTY ROAD 14, WATERLOO, OH 45688-9302

Mortgage

Document Number	0000003172
Date	Jun 26, 2025
Instrument	2025-00003172

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	10917 COUNTY ROAD 14, WATERLOO, OH 45688-9302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESBANCO TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003720
Date	Jun 19, 2020
Book Page	1037/265
Instrument	2020-00003720

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	PROCTORVILLE, OH 45669

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 16, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lawrence County
County Subdivision	Symmes Township
Unified School District	Symmes Valley Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,290.00 (+0.09%) Homeowner's exemption	$83,020 (-) Land $3,970 Building $79,050
2022	$2,288.00 Homeowner's exemption	$83,020 Land $3,970 Building $79,050	$237,200 Land $11,350 Building $225,850

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

Flood

FEMA maps place 10917 Co Rd 14 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 April 1, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Claims	9 (2000–2017)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Mar 2017 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2011 · 2 claims

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

Wildfire risk around 10917 Co Rd 14 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
JB-Nets Fixed Wireless	25 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 14

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