360 Smith Rd, Waterford, OH 45786 Property Records

Washington County property record for 360 Smith Rd, Waterford, OH 45786

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,000 sqft · built 1996
Lot Size	82.5 acres (3,593,700 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Mar 2018)
Tax Bill	$3,248 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`300052748000`

Property Details

APN / Parcel Number

Primary APN	`300052748000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,593,700 sqft (82.5 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric
Sewer	Connected
Water Source	Private

Location & Zoning

Street Address	360 SMITH RD
City	WATERFORD
State	OH
Zip	45786-6206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R10 T3 S36 160 AC LOT 787 E PT 82.50 AC
Legal Range	10
Legal Township	03
Legal Section	36
Legal Lot Number	787
Jurisdiction	WASHINGTON OH
Township / Civil Division	PALMER
Census Block Group	3
Census Block	3052
Census Tract	21600

Owner

Source: Washington County records, as of July 2, 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	360 SMITH RD, WATERFORD, OH 45786-6206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK CO
Feb 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE CITIZENS BANK CO
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK CO
Mar 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2018 · Amount on Record
Deed Sale	Mar 7, 2018 · Amount on Record
Prior Sale	May 22, 1996 · Amount on Record
Deed Document Number	20181301
Deed Book / Page	624 / 713
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON OH
Property Address	360 SMITH RD, WATERFORD, OH 45786-6206
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00631/1180
Date	Aug 17, 2018
Book Page	631/1180
Instrument	201800005206

Lender

Name	THE CITIZENS BANK CO
Type	Bank
Address	BEVERLY, OH 45715

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Aug 13, 2021

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON OH
Property Address	360 SMITH RD, WATERFORD, OH 45786-6206
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00623/2173
Date	Feb 21, 2018
Book Page	623/2173
Instrument	201800001024

Lender

Name	THE CITIZENS BANK CO
Type	Bank
Address	BEVERLY, OH 45715

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2048

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON OH
Property Address	360 SMITH RD, WATERFORD, OH 45786-6206
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	360 SMITH RD, WATERFORD, OH 45786-6206

Mortgage

Document Number	00656/1668
Date	Aug 25, 2021
Book Page	656/1668
Instrument	202100006118

Lender

Name	THE CITIZENS BANK CO
Type	Bank
Address	BEVERLY, OH 45715

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Aug 24, 2024

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON OH
Recording Date	Mar 7, 2018
Property Address	360 SMITH RD, WATERFORD, OH 45786-6206
Document Number	00624/0713
Book / Page	624 / 0713
Instrument Date	Mar 5, 2018
Instrument	201800001301
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	360 SMITH RD, WATERFORD, OH 45786-6206

Tax Assessment & Valuation

Source: Washington County assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Washington County
County Subdivision	Palmer Township
Unified School District	Wolf Creek Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,248.00 (+23.83%) Homeowner's exemption	$120,710 (+51.23%) Land $64,440 Building $56,270	$344,870 (+51.23%) Land $184,110 Building $160,760
2024	$2,623.00 (+0.27%) Additional exemption filed	$79,820 (-) Land $33,720 Building $46,100
2022	$2,616.00 Additional exemption filed	$79,820 Land $33,720 Building $46,100	$228,050 Land $96,330 Building $131,720

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 15, 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
Nearby Flood Claims	4 (1997–2005)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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
Smart Way Communications Fixed Wireless	200 / 25
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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