11000 Co Rd 4, Waterloo, OH 45688 Property Records

Lawrence County property record for 11000 Co Rd 4, Waterloo, OH 45688

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 1 ba · 1,880 sqft · built 1920
Lot Size	9.73 acres (423,839 sqft)
Owner	2 Trust Names on File
Last Sale	$47,000 (Apr 2015)
Tax Bill	$896 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-037-0600.000`

Property Details

APN / Parcel Number

Primary APN	`20-037-0600.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,880 sqft Gross Area
1st Floor Area	964 sqft
Upper Floors Area	916 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1960
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	423,839 sqft (9.73 acres)
Garage Type	Detached
Garage Area	1,680 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Open Brick Porch
Porch Area	356 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	11000 COUNTY ROAD 4
City	WATERLOO
State	OH
Zip	45688-9339
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	17-5-35 NW PT SE NW LE;12A, 1.00A AND 1.09A BAL=9.73ACS
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1063
Census Tract	50600

Owner

11000 Co Rd 4, an agricultural property, is held in a trust since March 2024.

Source: Lawrence County records, as of July 28, 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 Trust Names on File
Mailing Address	11000 COUNTY ROAD 4, WATERLOO, OH 45688-9339
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage DESCO FCU
Mar 23, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jan 6, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Mar 21, 2019	Warranty Deed, Transfer BESTITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2015 · Amount on File
Deed Sale	Apr 17, 2015 · Amount on File
Prior Sale	Feb 5, 1990 · Amount on File
Deed Document Number	20152042
Deed Book / Page	804 / 404
Last Transfer Date	Mar 28, 2024
Transfer Doc	0000002196
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	11000 COUNTY ROAD 4, WATERLOO, OH 45688-9339
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000922
Date	Feb 15, 2022
Book Page	1125/195
Instrument	2022-00000922

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Mar 23, 2020
Property Address	11000 COUNTY ROAD 4, WATERLOO, OH 45688-9339
Document Number	0000002006
Book / Page	001026 / 000569
Instrument Date	Feb 14, 2020
Instrument	2006
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 CLEARWATER ST FLATWOODS KY 411391808, FLATWOODS, KY 41139-1808

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Jan 6, 2020
Property Address	11000 COUNTY ROAD 4, WATERLOO, OH 45688-9339
Document Number	0000000102
Book / Page	001016 / 000741
Instrument Date	Jan 2, 2020
Instrument	102
Transaction Type	Transfer
Record Updated	Jan 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$42.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 CLEARWATER ST FLATWOODS KY 411391808, FLATWOODS, KY 41139-1808

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Mar 21, 2019
Property Address	11000 COUNTY ROAD 4, WATERLOO, OH 45688-9339
Document Number	0000001596
Book / Page	000982 / 000268
Instrument Date	Feb 13, 2019
Instrument	1596
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	BESTITLE

Transaction

Amount	Amount on Record
Tax	$188.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 CLEARWATER ST FLATWOODS KY 411391808, FLATWOODS, KY 41139-1808

Tax Assessment & Valuation

The 2025 property tax bill for 11000 Co Rd 4 was $896.

Source: Lawrence County assessment roll, as of January 21, 2026

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
2025	$896.00	$32,893 Land $12,730 Building $20,164	$93,980 Land $36,370 Building $57,610
2023	$1,189.00 (+28.96%)	$41,700 (-) Land $9,460 Building $32,240
2022	$922.00 Homeowner's exemption	$41,700 Land $9,460 Building $32,240	$119,150 Land $27,040 Building $92,110

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

Flood

FEMA maps place 11000 Co Rd 4 in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2000.

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
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 11000 Co Rd 4 is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 98.4% of Ohio
Wildfire Likelihood	0.05% 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	HECLA WATER ASSOCIATION private · serves 34,942 people · EPA ID OH4401612
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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