11435 Co Rd 4, Waterloo, OH 45688 Property Records

Lawrence County property record for 11435 Co Rd 4, Waterloo, OH 45688

Property Summary

Property Type	Farm - Irrigated or Dry
Details	4 bd · 2 ba · 2,676 sqft · built 1981
Lot Size	39.9 acres (1,738,044 sqft)
Owner	Individual Name on File
Last Sale	$78,500 (Jun 1987)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-036-1300.000`

Property Details

APN / Parcel Number

Primary APN	`20-036-1300.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,676 sqft Gross Area
1st Floor Area	1,668 sqft
Upper Floors Area	1,008 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Lot Area	1,738,044 sqft (39.9 acres)
Garage Type	Detached
Garage Area	1,620 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Open Frame Porch
Porch Area	400 sqft
Patio Area	384 sqft
Shed	1 Shed
Shed Area	1,400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	11435 COUNTY ROAD 4
City	WATERLOO
State	OH
Zip	45688-9340
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	17-05-35 SW NE LESS 2.10A. 0039.90A
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1057
Census Tract	50600

Owner

11435 Co Rd 4, an agricultural property, is owned by an individual who bought it in June 1987.

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	Individual Name on File
Mailing Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORP
Jul 11, 2022	Warranty Deed, Transfer
Sep 24, 2021	Affidavit of Death of Joint Tenant, Transfer
Aug 30, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 1987 · Amount on File
Deed Sale	Jun 27, 1987 · Amount on File
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340

Mortgage

Document Number	0000001361
Date	Mar 27, 2026
Book Page	1306/396
Instrument	2026-00001361

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	1200 ALTMORE AVE # 2, SANDY SPRINGS, GA 30342

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Jul 11, 2022
Property Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340
Document Number	0000004207
Book / Page	1146 / 475
Instrument Date	Jun 27, 2022
Instrument	2022-00004207
Transaction Type	Transfer
Record Updated	Jul 26, 2022

Transaction

Amount	Amount 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
Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LAWRENCE OH
Recording Date	Sep 24, 2021
Property Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340
Document Number	0000006103
Book / Page	1104 / 384
Instrument Date	Sep 22, 2021
Instrument	2021-00006103
Transaction Type	Transfer
Record Updated	Oct 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Aug 30, 2018
Property Address	11435 COUNTY ROAD 4, WATERLOO, OH 45688-9340
Document Number	0000005338
Book / Page	000957 / 000261
Instrument Date	Aug 27, 2018
Instrument	5338
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$720.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11435 COUNTY ROAD 4 WATERLOO OH 456889340, WATERLOO, OH 45688-9340

Tax Assessment & Valuation

The 2025 property tax bill for 11435 Co Rd 4 was $2,634, up 22.5% from the year before.

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	$2,634.00 (+22.45%)	$110,898 Land $24,952 Building $85,946	$316,850 Land $71,290 Building $245,560
2024	$2,151.00 (+17.41%)
2023	$1,832.00 (-2.19%) Homeowner's exemption	$75,440 (-) Land $18,870 Building $56,570
2022	$1,873.00	$75,440 Land $18,870 Building $56,570	$215,520 Land $53,900 Building $161,620

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

Flood

FEMA maps place 11435 Co Rd 4 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 11435 Co Rd 4 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 97.6% 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

Nearby Properties on Co Rd 4

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