3223 Co Rd 48, Waterloo, OH 45688 Property Records

Lawrence County property record for 3223 Co Rd 48, Waterloo, OH 45688

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 768 sqft · built 1920
Lot Size	42 acres (1,829,520 sqft)
Owner	Individual Name on File
Last Sale	$88,367 (Sep 2022)
Tax Bill	$719 (2023)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-031-0600.000`

Property Details

APN / Parcel Number

Primary APN	`20-031-0600.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,536 sqft
1st Floor Area	768 sqft
Attic Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	1,829,520 sqft (42 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	320 sqft
Shed	1 Shed
Shed Area	120 sqft
Lean-To	468 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Street Address	3223 COUNTY ROAD 48
City	WATERLOO
State	OH
Zip	45688-9329
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	17-05-28 NW SW 0042.00A
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1029
Census Tract	50600

Owner

3223 Co Rd 48, a rural home, is owned and occupied by an individual who bought it in September 2022.

Source: Lawrence County records, as of May 3, 2024

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
Co-owner	Co-owner on File
Mailing Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage ANABAPTIST FINANCIAL
Sep 26, 2022	Warranty Deed, Transfer HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TTL AGCY INC
Sep 26, 2022	Warranty Deed, Construction Loan · Construction Mortgage ANABAPTIST FINANCIAL
Jul 25, 2022	Certificate of Transfer, Transfer
Feb 23, 2022	Assignment of Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2022 · Amount on File
Deed Sale	Sep 26, 2022 · Amount on File
Prior Sale	Sep 26, 2022 · Amount on File
Deed Document Number	2022-00005802
Deed Book / Page	1156 / 153
Record Updated	Jun 7, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329

Mortgage

Document Number	0000005791
Date	Nov 13, 2023
Book Page	1203/395
Instrument	2023-00005791

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company
Address	55 WHISPER CREEK DR, LEWISBURG, PA 17837

Agreement

Amount	Amount on Record

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Sep 26, 2022
Property Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Document Number	0000005801
Book / Page	1156 / 151
Instrument Date	Sep 6, 2022
Instrument	2022-00005801
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TTL AGCY INC

Transaction

Amount	Amount 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	280 AMERICAN WAY, LOUISA, KY 41230

September 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Sep 26, 2022
Property Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Document Number	0000005802
Book / Page	1156 / 153
Instrument Date	Aug 24, 2022
Instrument	2022-00005802
Transaction Type	Construction Loan
Record Updated	Oct 14, 2022
Title Company	HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TTL AGCY INC

Transaction

Amount	Amount 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	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329

Mortgage

Document Number	0000005803
Date	Sep 26, 2022
Instrument	2022-00005803

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

July 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	LAWRENCE OH
Recording Date	Jul 25, 2022
Property Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Document Number	0000004580
Book / Page	1148 / 726
Instrument Date	Jul 8, 2022
Instrument	2022-00004580
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 N MAIN ST, DUNKIRK, OH 45836-1012

February 2022: Assignment of Deed, Transfer

Document Type	Assignment of Deed
Jurisdiction	LAWRENCE OH
Recording Date	Feb 23, 2022
Property Address	3223 COUNTY ROAD 48, WATERLOO, OH 45688-9329
Document Number	0000001046
Book / Page	1125 / 815
Instrument Date	Jan 11, 2022
Instrument	2022-00001046
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 1, 2023

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
2023	$719.00 (+1.55%)	$24,980 (-) Land $16,140 Building $8,840
2022	$708.00 Homeowner's exemption	$24,980 Land $16,140 Building $8,840	$71,370 Land $46,100 Building $25,270

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 3223 Co Rd 48 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 3223 Co Rd 48 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 97.2% of Ohio
Wildfire Likelihood	0.04% 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 2 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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