23 S River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 23 S River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,142 sqft · built 1834
Lot Size	0.13 acres (5,700 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Apr 2023)
Tax Bill	$4,992 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`96-10481`

Property Details

APN / Parcel Number

Primary APN	`96-10481`
Alternative APN	`46003012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,142 sqft Living Area
1st Floor Area	1,206 sqft
2nd Floor Area	936 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1834
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Raised
Lot Area	5,700 sqft (0.13 acres)
Lot Dimensions	66 ft deep x 86 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	23 S RIVER RD
City	WATERVILLE
State	OH
Zip	43566-1479
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R2
Legal Description	WATERVILLE VILLAGE LOT 42 W 1/2
Legal Subdivision	WATERVILLE VILLAGE
Legal Lot Number	42
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	1
Census Block	1001
Census Tract	8906

Owner

23 S River Rd is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	23 S RIVER RD, WATERVILLE, OH 43566-1479
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
Apr 27, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 16, 2020	Deed of Trust, Mortgage · Line of Credit GENOA BANKING CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on File
Deed Sale	Apr 27, 2023 · Amount on File
Prior Sale	Aug 3, 2010 · Amount on File
Deed Document Number	23102380
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Apr 27, 2023
Property Address	23 S RIVER RD, WATERVILLE, OH 43566-1479
Document Number	0000012988
Map Reference	VOL 2B PG 113
Instrument Date	Mar 10, 2023
Instrument	202304270012988
Transaction Type	Transfer
Record Updated	May 9, 2023

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	23 S RIVER RD, WATERVILLE, OH 43566-1479

Mortgage

Document Number	0000012989
Date	Apr 27, 2023
Instrument	202304270012989

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	23 S RIVER RD, WATERVILLE, OH 43566-1479
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039972
Date	Sep 16, 2020
Instrument	202009160039972

Lender

Name	GENOA BANKING CO
Type	Bank
Address	GENOA, OH 43430

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Aug 21, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 23 S River Rd was $4,992, 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	$4,992.00 (+4.61%)	$98,490 (-) Land $6,790 Building $91,700
2024	$4,772.00 (+52.8%)	$98,490 (+72.22%) Land $6,790 Building $91,700	$281,400 Land $19,400 Building $262,000
2023	$3,123.00 (-0.95%)	$57,190 (-) Land $4,025 Building $53,165
2022	$3,153.00 Homeowner's exemption	$57,190 Land $4,025 Building $53,165
2021			$163,400 Land $11,500 Building $151,900

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 23 S River Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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 23 S River Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Buckeye Cablesystem Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Amplex Wireless.

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