2477 Co Rd 48, Waterloo, OH 45688 Property Records

Lawrence County property record for 2477 Co Rd 48, Waterloo, OH 45688

Property Summary

Property Type	Farm - Irrigated or Dry
Details	2 bd · 1 ba · 1,824 sqft · built 1948
Lot Size	43 acres (1,873,080 sqft)
Owner	2 Individual Names on File
Last Sale	$354,600 (Mar 2022)
Tax Bill	$839 (2024)
Deeds & Mortgages	May 2026 Line of Credit Mar 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20-032-0600.000`

Property Details

APN / Parcel Number

Primary APN	`20-032-0600.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,824 sqft Gross Area
1st Floor Area	864 sqft
Upper Floors Area	96 sqft
Basement Area	144 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Lot Area	1,873,080 sqft (43 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	276 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	2477 COUNTY ROAD 48
City	WATERLOO
State	OH
Zip	45688-9329
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	17-05-29 SE SW 0043.00A
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1029
Census Tract	50600

Owner

2477 Co Rd 48, an agricultural property, is owned by two individuals who bought it in March 2022.

Source: Lawrence County records, as of May 14, 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	2 Individual Names on File
Mailing Address	2477 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Mar 10, 2022	Warranty Deed, Construction Loan · Construction Mortgage ANABAPTIST FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on File
Deed Sale	Mar 10, 2022 · Amount on File
Prior Sale	Apr 29, 2014 · Amount on File
Deed Document Number	20221394
Deed Book / Page	1128 / 237
Prior Transfer Date	Sep 16, 2010
Prior Transfer Doc	0000005759
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Recording Date	May 4, 2026
Property Address	2477 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Document Number	0000002068
Book / Page	1311 / 451
Instrument Date	Apr 30, 2026
Instrument	20262068
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESBANCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2477 COUNTY ROAD 48, WATERLOO, OH 45688-9329

Mortgage

Document Number	0000002068,
Date	May 4, 2026
Book Page	1311/451
Instrument	20262068

Lender

Name	WESBANCO BANK INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Apr 30, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Mar 10, 2022
Property Address	2477 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Document Number	0000001394
Book / Page	1128 / 237
Instrument Date	Feb 25, 2022
Instrument	2022-00001394
Transaction Type	Construction Loan
Record Updated	Mar 30, 2022
Title Company	HOCKINS VALLEY TITLE, HOCKING VALLEY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	574 TOWNSHIP ROAD 2474, LOUDONVILLE, OH 44842-9672

Mortgage

Document Number	0000001395
Date	Mar 10, 2022
Instrument	2022-00001395

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$46,470 Land $25,725 Building $20,745	$132,770 Land $73,500 Building $59,270
2024	$839.00 (-0.71%)
2023	$845.00 (+0.24%)	$40,200 (-) Land $19,460 Building $20,740
2022	$843.00	$40,200 Land $19,460 Building $20,740	$114,870 Land $55,600 Building $59,270

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2477 Co Rd 48 in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2000.

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
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	Severe Storms And Flooding, May 2011 · 2 claims

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 2477 Co Rd 48 is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 98.4% of Ohio
Wildfire Likelihood	0.05% 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 3 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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