1295 Campground Rd, Waterloo, OH 45688 Property Records

Gallia County property record for 1295 Campground Rd, Waterloo, OH 45688

Property Summary

Property Type	Farm - Crops
Details	1,836 sqft · built 2000
Lot Size	5.51 acres (240,233 sqft)
Owner	Individual Name on File
Tax Bill	$879 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03200124101`

Property Details

APN / Parcel Number

Primary APN	`03200124101`

Interior

Building Area	1,836 sqft Building Perimeter

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	240,233 sqft (5.51 acres)
Terrain	Above Road/Slope

Exterior Amenities

Porch	Slab
Porch Area	324 sqft
Shed	1 Shed
Shed Area	288 sqft
Pole Barn	576 sqft

Utilities, Heating & Cooling

Heating Fuel	Coal
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1295 CAMPGROUND RD
City	WATERLOO
State	OH
Zip	45688-9402
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Crops
Legal Description	S PT E 1/2 SW 1/4 V562 P899
Jurisdiction	GALLIA OH
Township / Civil Division	WALNUT
Census Block Group	3
Census Block	3086
Census Tract	953700

Owner

1295 Campground Rd, an agricultural property, is owned and occupied by an individual who acquired it in January 2024.

Source: Gallia County records, as of April 2, 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	1295 CAMPGROUND RD, WATERLOO, OH 45688-9402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024
Deed Sale	Jan 25, 2024
Prior Sale	Jan 28, 2000
Deed Document Number	2024188
Deed Book / Page	714 / 712
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALLIA OH
Recording Date	Jan 25, 2024
Property Address	1295 CAMPGROUND RD, WATERLOO, OH 45688-9402
Document Number	000714/712
Book / Page	714 / 712
Instrument Date	Jan 19, 2024
Instrument	24-00000188
Transaction Type	Transfer
Record Updated	Feb 15, 2024

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	1295 CAMPGROUND RD, WATERLOO, OH 45688-9402

Mortgage

Document Number	0000714715
Date	Jan 25, 2024
Instrument	714/715

Lender

Name	THE OHIO VALLEY BANK COMPANY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2044

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Feb 1, 2029
Change Frequency	5 Years
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	5-Year TN
Max Rate	13.7%

Tax Assessment & Valuation

The 2025 property tax bill for 1295 Campground Rd was $879 with exemptions applied.

Source: Gallia County assessment roll, as of April 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$879.00	$31,430 Land $8,480 Building $22,950
2024			$89,800 (-) Land $24,220 Building $65,580
2023	$905.00 (-6.31%)	$31,430 (-4.56%) Land $8,480 Building $22,950	$89,800 Land $24,220 Building $65,580
2022	$966.00	$32,930 Land $6,520 Building $26,410
2020			$94,090 Land $18,630 Building $75,460

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

Flood

FEMA maps place 1295 Campground Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 19, 2011 · 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 Policies	1 in force

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 1295 Campground Rd 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.

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 5 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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