355 N River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 355 N River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,368 sqft · built 1953
Lot Size	1.6 acres (70,088 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Dec 2022)
Tax Bill	$8,277 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`96-01411`

Property Details

APN / Parcel Number

Primary APN	`96-01411`
Alternative APN	`46044023`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,368 sqft Living Area
1st Floor Area	3,368 sqft

Exterior

Year Built	Built 1953
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	70,088 sqft (1.6 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Pool Area	800 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	355 N RIVER RD
City	WATERVILLE
State	OH
Zip	43566-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R1
Legal Description	RIVER TRACT NO 35 S 100 FT N 393 FT PT BET CANAL & RIVER RD
Legal Subdivision	RIVER TR 35
Legal Tract	35
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	3
Census Block	3011
Census Tract	8905

Owner

Source: Lucas County records, as of February 16, 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	355 N RIVER RD, WATERVILLE, OH 43566-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
May 11, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	202212210054065
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 21, 2022
Property Address	355 N RIVER RD, WATERVILLE, OH 43566-1454
Document Number	0000054065
Instrument Date	Dec 19, 2022
Instrument	202212210054065
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

Amount	Amount Recorded
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	355 N RIVER RD, WATERVILLE, OH 43566-1454

Mortgage

Document Number	0000054066
Date	Dec 21, 2022
Instrument	202212210054066

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	355 N RIVER RD, WATERVILLE, OH 43566-1454
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023678
Date	May 11, 2021
Instrument	202105110023678

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 6, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$8,277.00 (+4.39%)	$163,345 (-) Land $31,570 Building $131,775
2024	$7,929.00 (+30.67%)	$163,345 (+47.13%) Land $31,570 Building $131,775	$466,700 (+47.13%) Land $90,200 Building $376,500
2023	$6,068.00 (-0.96%)	$111,020 (-) Land $22,855 Building $88,165
2022	$6,127.00 Homeowner's exemption	$111,020 Land $22,855 Building $88,165
2021			$317,200 Land $65,300 Building $251,900

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20

May also be available: Brightspeed.

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