22 S 5th St, Waterville, OH 43566 Property Records

Lucas County property record for 22 S 5th St, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,096 sqft · built 1950
Lot Size	0.253 acres (11,000 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2026)
Tax Bill	$2,825 (2024)
Deeds & Mortgages	May 2026 Sale & Line of Credit Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`96-11854`

Property Details

APN / Parcel Number

Primary APN	`96-11854`
Alternative APN	`46026004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,096 sqft Living Area
Gross Area	3,184 sqft
1st Floor Area	1,592 sqft
2nd Floor Area	504 sqft
Basement Area	1,088 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Lot Area	11,000 sqft (0.253 acres)
Lot Dimensions	132 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	877 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22 S 5TH ST
City	WATERVILLE
State	OH
Zip	43566-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R2
Legal Description	WATERVILLE VILLAGE LOT 250
Legal Subdivision	WATERVILLE VILLAGE
Legal Tract	89.02
Legal Lot Number	250
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	2
Census Block	2001
Census Tract	8906

Owner

Source: Lucas County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	22 S 5TH ST, WATERVILLE, OH 43566-1301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Warranty Deed, Transfer · Line of Credit NONE LISTED ON DOCUMENT
Dec 7, 2018	Fiduciary Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Dec 7, 2018 · Amount on Record
Deed Document Number	202617237
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	May 4, 2026
Property Address	22 S 5TH ST, WATERVILLE, OH 43566-1301
Document Number	0000017237
Instrument Date	Apr 29, 2026
Instrument	202617237
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 S 5TH ST, WATERVILLE, OH 43566-1301

Mortgage

Document Number	0000017238,
Date	May 4, 2026
Instrument	202617238

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

December 2018: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 7, 2018
Property Address	22 S 5TH ST, WATERVILLE, OH 43566-1301
Document Number	0000054747
Instrument Date	Nov 30, 2018
Instrument	201812070054747
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22 S 5TH ST, WATERVILLE, OH 43566-1301

Mortgage

Document Number	0000054748
Date	Dec 7, 2018
Instrument	201812070054748

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 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	Homeowner's exemption	$68,110 (-) Land $11,620 Building $56,490	$194,600 (-) Land $33,200 Building $161,400
2024	$2,825.00 (+30.61%) Homeowner's exemption	$68,110 (+40.1%) Land $11,620 Building $56,490	$194,600 (+40.1%) Land $33,200 Building $161,400
2023	$2,163.00 (-1.95%) Homeowner's exemption	$48,615 (-) Land $10,325 Building $38,290
2022	$2,206.00 Homeowner's exemption	$48,615 Land $10,325 Building $38,290
2021			$138,900 Land $29,500 Building $109,400

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

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	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

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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