14 N 5th St, Waterville, OH 43566 Property Records

Lucas County property record for 14 N 5th St, Waterville, OH 43566

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,280 sqft · built 1956
Lot Size	0.215 acres (9,400 sqft)
Owner	Individual Name on File
Last Sale	$216,500 (Oct 2020)
Tax Bill	$4,326 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jun 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`96-11994`

Property Details

APN / Parcel Number

Primary APN	`96-11994`
Alternative APN	`46020006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,280 sqft Total Area
1st Floor Area	1,140 sqft
2nd Floor Area	1,140 sqft
Basement Area	1,140 sqft

Exterior

Year Built	Built 1956
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	9,400 sqft (0.215 acres)
Lot Dimensions	140 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	153 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14 N 5TH ST
City	WATERVILLE
State	OH
Zip	43566-1317
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	39-R2
Legal Description	WATERVILLE VILLAGE BLK 1 S 66.50 FT N 206.50FT W 140 FT
Legal Subdivision	WATERVILLE VILLAGE
Legal Block	1
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	3
Census Block	3026
Census Tract	8905

Owner

14 N 5th St, a duplex, is owned and occupied by an individual who bought it in October 2020.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	14 1 2N 5TH ST, WATERVILLE, OH 43566
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Fiduciary Deed, Transfer · Conventional Mortgage DIRECTIONS CU
Jun 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 26, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2020 · Amount on File
Deed Sale	Oct 27, 2020 · Amount on File
Prior Sale	Jun 18, 2020
Deed Document Number	202010270048198
Record Updated	Jun 8, 2026

October 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	Oct 27, 2020
Property Address	14 N 5TH ST, WATERVILLE, OH 43566-1317
Document Number	0000048198
Instrument Date	Sep 21, 2020
Instrument	202010270048198
Transaction Type	Transfer
Record Updated	Sep 20, 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
Relationship	Right of Survivorship
Address	14 N 5TH ST, WATERVILLE, OH 43566-1317

Mortgage

Document Number	0000048199
Date	Oct 27, 2020
Instrument	202010270048199

Lender

Name	DIRECTIONS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUCAS OH
Recording Date	Jun 18, 2020
Property Address	14 N 5TH ST, WATERVILLE, OH 43566-1317
Document Number	0000024145
Instrument Date	Jun 3, 2020
Instrument	24145
Transaction Type	Transfer
Record Updated	Jul 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 N 4TH ST WATERVILLE OH 435661312, WATERVILLE, OH 43566-1312

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LUCAS OH
Recording Date	May 26, 2020
Property Address	14 N 5TH ST, WATERVILLE, OH 43566-1317
Document Number	0000019766
Instrument Date	May 17, 2020
Instrument	19766
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$58.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 N 4TH ST WATERVILLE OH 435661312, WATERVILLE, OH 43566-1312

Tax Assessment & Valuation

The 2025 property tax bill for 14 N 5th St was $4,326 with a homeowner's exemption, up 4.6% from the year before.

Source: Lucas County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
Municipality	Waterville City
Unified School District	Anthony Wayne Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,326.00 (+4.57%) Homeowner's exemption	$83,615 (-) Land $12,740 Building $70,875
2024	$4,137.00 (+0.85%) Homeowner's exemption	$83,615 (+13.65%) Land $12,740 Building $70,875	$238,900 Land $36,400 Building $202,500
2023	$4,102.00 (-0.97%) Homeowner's exemption	$73,570 (-) Land $10,990 Building $62,580
2022	$4,142.00 Homeowner's exemption	$73,570 Land $10,990 Building $62,580
2021			$210,200 Land $31,400 Building $178,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 14 N 5th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · 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	4 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

The area around 14 N 5th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	WATERVILLE CITY serves 6,500 people · EPA ID OH4801503
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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