12061 Co Rd 4, Waterloo, OH 45688 Property Records

Lawrence County property record for 12061 Co Rd 4, Waterloo, OH 45688

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 2 ba · 1,620 sqft · built 1992
Lot Size	27.8 acres (1,212,710 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Nov 2025)
Tax Bill	$836 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-037-1600.000`

Property Details

APN / Parcel Number

Primary APN	`20-037-1600.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,620 sqft Gross Area
1st Floor Area	1,620 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Mobile Home
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	1,212,710 sqft (27.8 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	421 sqft
Shed	1 Shed
Shed Area	96 sqft
Lean-To	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	12061 COUNTY ROAD 4
City	WATERLOO
State	OH
Zip	45688-9341
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	17-05-36 IN E PT NW NW LESS .78 BAL 27.84AC
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1057
Census Tract	50600

Owner

12061 Co Rd 4, an agricultural property, is owned by an individual who bought it in November 2025.

Source: Lawrence County records, as of January 21, 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	483 TOWNSHIP ROAD 1234, PROCTORVILLE, OH 45669-8668
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Warranty Deed, Transfer · SBA Mortgage STOCKTON MORTGAGE CORP
Feb 19, 2021	Warranty Deed, Transfer · FHA Mortgage MYCUMORTGAGE LLC
Feb 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Prior Sale	Feb 19, 2021 · Amount on File
Deed Document Number	20255818
Deed Book / Page	1289 / 344
Prior Transfer Date	May 1, 1997
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Nov 6, 2025
Property Address	12061 COUNTY ROAD 4, WATERLOO, OH 45688-9341
Document Number	0000005818
Book / Page	1289 / 344
Instrument Date	Oct 20, 2025
Instrument	2025-00005818
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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
Address	483 TOWNSHIP ROAD 1234, PROCTORVILLE, OH 45669-8668

Mortgage

Document Number	0000005819
Date	Nov 6, 2025
Instrument	2025-00005819

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Feb 19, 2021
Property Address	12061 COUNTY ROAD 4, WATERLOO, OH 45688-9341
Document Number	0000001029
Book / Page	1072 / 143
Map Reference	VOL 859 PG 375
Instrument Date	Feb 12, 2021
Instrument	2021-00001029
Transaction Type	Transfer
Record Updated	Jun 21, 2021

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
Address	12061 COUNTY ROAD 4, WATERLOO, OH 45688-9341

Mortgage

Document Number	0000001030
Date	Feb 19, 2021
Instrument	2021-00001030

Lender

Name	MYCUMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE OH
Recording Date	Feb 1, 2017
Property Address	12061 COUNTY ROAD 4, WATERLOO, OH 45688-9341
Document Number	0000000613
Book / Page	000884 / 000810
Instrument Date	Feb 1, 2017
Instrument	613
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12061 COUNTY ROAD 4 WATERLOO OH 456889341, WATERLOO, OH 45688-9341

Tax Assessment & Valuation

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		$41,377 (+12.74%) Land $18,827 Building $22,551	$118,220 Land $53,790 Building $64,430
2024	$836.00 (-0.71%) Homeowner's exemption	$36,700 (-) Land $14,150 Building $22,550
2023	$842.00 (+0.24%) Homeowner's exemption	$36,700 (-) Land $14,150 Building $22,550
2022	$840.00 Homeowner's exemption	$36,700 Land $14,150 Building $22,550	$104,870 Land $40,440 Building $64,430

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12061 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 12061 Co Rd 4 is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 99.4% of Ohio
Wildfire Likelihood	0.06% 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 7 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

No cell data coverage reported

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