3853 Co Rd 48, Waterloo, OH 45688 Property Records

Lawrence County property record for 3853 Co Rd 48, Waterloo, OH 45688

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,568 sqft · built 1992
Lot Size	10.2 acres (447,797 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Dec 2024)
Tax Bill	$815 (2024)
Deeds & Mortgages	Oct 2025 Transfer Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-031-0400.001`

Property Details

APN / Parcel Number

Primary APN	`20-031-0400.001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 1992
Architectural Style	Mobile Home
Exterior Material	Frame/Aluminum
Construction Type	Frame
Foundation Type	Raised
Lot Area	447,797 sqft (10.2 acres)
Garage Type	Carport
Carport	Carport
Carport Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	520 sqft
Shed	1 Shed
Shed Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3853 COUNTY ROAD 48
City	WATERLOO
State	OH
Zip	45688-9332
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	17-05-28 W PT SE PT 10.28ACRES
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1029
Census Tract	50600

Owner

3853 Co Rd 48, a rural home, is owned and occupied by an individual who acquired it in October 2025.

Source: Lawrence County records, as of October 10, 2025

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	3853 COUNTY ROAD 48, WATERLOO, OH 45688-9332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Intrafamily Transfer, Transfer
Aug 29, 2022	Warranty Deed, Transfer
Nov 16, 2018	Warranty Deed, Transfer · VA Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2024 · Amount on File
Deed Sale	Dec 6, 2024 · Amount on File
Prior Sale	Dec 6, 2024 · Amount on File
Deed Document Number	0000006074
Deed Book / Page	1248 / 67
Last Transfer Date	Oct 1, 2025
Transfer Doc	0000004947
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAWRENCE OH
Recording Date	Oct 1, 2025
Property Address	3853 COUNTY ROAD 48, WATERLOO, OH 45688-9332
Document Number	0000004947
Book / Page	1283 / 828
Instrument Date	Sep 30, 2025
Instrument	2025-00004947
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3853 COUNTY ROAD 48, WATERLOO, OH 45688-9332

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Aug 29, 2022
Property Address	3853 COUNTY ROAD 48, WATERLOO, OH 45688-9332
Document Number	0000005193
Book / Page	1152 / 733
Map Reference	VOL 537 PG 788
Instrument Date	Aug 17, 2022
Instrument	2022-00005193
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Amount	Amount 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	3853 COUNTY ROAD 48, WATERLOO, OH 45688-9332

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Nov 16, 2018
Property Address	3853 COUNTY ROAD 48, WATERLOO, OH 45688-9332
Document Number	0000007249
Book / Page	000968 / 000026
Instrument Date	Nov 8, 2018
Instrument	7249
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3853 COUNTY ROAD 48 WATERLOO OH 456889332, WATERLOO, OH 45688-9332

Mortgage

Document Number	7250
Date	Nov 16, 2018
Book Page	000968/000028
Instrument	7250

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2048

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 1, 2024

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
2024	$815.00 (-0.73%) Homeowner's exemption	$29,260 (-) Land $7,520 Building $21,740
2023	$821.00 (-13.58%) Homeowner's exemption	$29,260 (-) Land $7,520 Building $21,740
2022	$950.00 Homeowner's exemption	$29,260 Land $7,520 Building $21,740	$83,580 Land $21,480 Building $62,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3853 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 3853 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 1 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

Nearby Properties on Co Rd 48

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