Lawrence County property record for 12509 Co Rd 4, Waterloo, OH 45688
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,380 sqft · built 1986 |
| Lot Size | 0.969 acres (42,253 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $1,136 (2023) |
| Deeds & Mortgages | Jun 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-038-0300.002 |
| Primary APN | 20-038-0300.002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 1,744 sqft |
| 1st Floor Area | 1,380 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 42,253 sqft (0.969 acres) |
| Garage Type | Mixed |
| Garage Area | 364 sqft |
| Carport | Carport |
| Carport Area | 384 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | 96 sqft |
| Patio Area | 554 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12509 COUNTY ROAD 4 |
|---|---|
| City | WATERLOO |
| State | OH |
| Zip | 45688-9341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 17-5-36 PT SW S PT 0.97AC |
| Legal Subdivision | SYMMES VALLEY |
| Jurisdiction | LAWRENCE OH |
| Township / Civil Division | SYMMES |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 50600 |
12509 Co Rd 4 is owner-occupied and held in a trust since June 2023.
Source: Lawrence County records, as of May 3, 2024
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12509 COUNTY ROAD 4, WATERLOO, OH 45688-9341 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 3 Names on Deed |
|---|---|
| Last Transfer Date | Jun 1, 2023 |
| Transfer Doc | 0000002759 |
| Record Updated | Jun 7, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE OH |
| Recording Date | Jun 1, 2023 |
| Property Address | 12509 COUNTY ROAD 4, WATERLOO, OH 45688-9341 |
| Document Number | 0000002759 |
| Book / Page | 1184 / 41 |
| Instrument Date | May 4, 2023 |
| Instrument | 2023-00002759 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 12509 COUNTY ROAD 4, WATERLOO, OH 45688-9341 |
Source: Lawrence County assessment roll, as of August 1, 2023
| Type | Name |
|---|---|
| State | Ohio |
| County | Lawrence County |
| County Subdivision | Symmes Township |
| Unified School District | Symmes Valley Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,136.00 (+0.26%) | $39,790 (-) Land $4,140 Building $35,650 | |
| 2022 | $1,133.00 | $39,790 Land $4,140 Building $35,650 | $113,690 Land $11,830 Building $101,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12509 Co Rd 4 in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 risk around 12509 Co Rd 4 is low, with a 0.06% 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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
No cell data coverage reported
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