Lawrence County property record for 3935 Co Rd 48, Waterloo, OH 45688
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Details | 5 bd · 2.5 ba · 4,500 sqft · built 1970 |
| Lot Size | 93.7 acres (4,082,443 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,993 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-031-0400.000 |
| Primary APN | 20-031-0400.000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,500 sqft Gross Area |
| 1st Floor Area | 1,500 sqft |
| Basement Area | 1,500 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 4,082,443 sqft (93.7 acres) |
| Garage Type | Carport |
| Garage Area | 256 sqft |
| Carport | Carport |
| Carport Area | 256 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 3935 COUNTY ROAD 48 |
|---|---|
| City | WATERLOO |
| State | OH |
| Zip | 45688-9332 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | 17-05-28 W PT SE LESS 10.28 BAL=93.72ACRES |
| Legal Subdivision | SYMMES VALLEY |
| Jurisdiction | LAWRENCE OH |
| Township / Civil Division | SYMMES |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 50600 |
3935 Co Rd 48, an agricultural property, is owned by an individual who acquired it in February 1995.
Source: Lawrence County records, as of July 28, 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 | Individual Name on File |
|---|---|
| Mailing Address | 3068 PEA RIDGE RD, WADDY, KY 40076-6107 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 1995 |
| Deed Sale | Feb 23, 1995 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3935 Co Rd 48 was $1,993.
Source: Lawrence County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Lawrence County |
| County Subdivision | Symmes Township |
| Unified School District | Symmes Valley Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,993.00 | $94,871 Land $47,849 Building $47,023 | $271,060 Land $136,710 Building $134,350 |
| 2023 | $1,615.00 (+0.12%) | $74,100 (-) Land $36,480 Building $37,620 | |
| 2022 | $1,613.00 | $74,100 Land $36,480 Building $37,620 | $211,700 Land $104,220 Building $107,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3935 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 |
|
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 risk around 3935 Co Rd 48 is low, with a 0.05% 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 | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
No cell data coverage reported
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