397 S River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 397 S River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Lot Size	1.9 acres (82,808 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,494 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`96-02584`

Property Details

APN / Parcel Number

Primary APN	`96-02584`
Alternative APN	`46049014`

Exterior

Architectural Style	Other
Foundation Type	Slab (Mat/Raft)
Lot Area	82,808 sqft (1.9 acres)
Lot Width	92 ft Width
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	397 S RIVER RD
City	WATERVILLE
State	OH
Zip	43566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R1
Legal Description	RIVER TRACT NO 39 N 91.88 FT FRT S 183.76 FTIN CEN RIVER RD OF N
Legal Subdivision	RIVER TR 39
Legal Tract	39
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	1
Census Block	1001
Census Tract	8906

Owner

Source: Lucas County records, as of February 16, 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	2 Individual Names on Record
Mailing Address	401 S RIVER RD, WATERVILLE, OH 43566-1528
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2003
Deed Sale	May 6, 2003
Deed Document Number	3103429
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	397 S RIVER RD, WATERVILLE, OH 43566
Document Number	0000018306
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 7, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 S RIVER RD WATERVILLE OH 435661528, WATERVILLE, OH 43566-1528

Mortgage

Document Number	0000018306
Date	May 1, 2018
Instrument	18306

Lender

Name	AMERIFIRST FIN'L
Type	Funding / Finance Company
Address	KALAMAZOO, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 30, 2033

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	$1,494.00 (+5.73%)	$28,560 (-) Land $26,565 Building $1,995
2024	$1,413.00 (+3.82%)	$28,560 (+17.24%) Land $26,565 Building $1,995	$81,600 (+17.24%) Land $75,900 Building $5,700
2023	$1,361.00 (-0.95%)	$24,360 (-) Land $22,540 Building $1,820
2022	$1,374.00 Homeowner's exemption	$24,360 Land $22,540 Building $1,820
2021			$69,600 Land $64,400 Building $5,200

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 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 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 0.01% 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	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 142 locations within half a mile, as of December 31, 2025

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

May also be available: Amplex Wireless, AT&T, Brightspeed, MetaLINK Technologies.