404 S Lock St, Waverly, OH 45690 Property Records

Pike County property record for 404 S Lock St, Waverly, OH 45690

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,430 sqft · built 1910
Lot Size	0.217 acres (9,466 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Oct 2006)
Tax Bill	$1,803 (2025)
Deeds & Mortgages	Jan 2008 Line of Credit Apr 2005 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-118800.0000`

Property Details

APN / Parcel Number

Primary APN	`18-118800.0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,206 sqft
Upper Floors Area	896 sqft
Attic	Attic
Attic Area	896 sqft
Basement Area	896 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Roof Material	Shingle
Lot Area	9,466 sqft (0.217 acres)
Lot Dimensions	182 ft deep x 52 ft wide
Garage Type	Mixed
Garage Area	984 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	429 sqft
Deck Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 S LOCK ST
City	WAVERLY
State	OH
Zip	45690-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 WH 246/424
Legal Lot Number	19
Jurisdiction	PIKE OH
Township / Civil Division	PEE PEE
Census Block Group	1
Census Block	1045
Census Tract	952400

Owner

404 S Lock St is owned and occupied by two individuals who bought it in October 2006.

Source: Pike County records, as of April 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	404 S LOCK ST, WAVERLY, OH 45690-1615
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2008	Deed of Trust, Mortgage · Line of Credit ATOMIC EMPLOYEES CU
Apr 14, 2005	Deed of Trust, Mortgage AMERICAN SAVINGS BANK FSB
Jun 3, 2019	Deed of Trust, Mortgage · ARM ATOMIC CU
Jun 3, 2019	Deed of Trust, Mortgage · ARM ATOMIC CU
Oct 17, 2006	Survivorship Deed, Transfer · ARM ATOMIC EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2006 · Amount on File
Deed Sale	Oct 17, 2006 · Amount on File
Deed Document Number	2006_00004141
Deed Book / Page	246 / 424
Record Updated	Sep 20, 2026

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE OH
Property Address	404 S LOCK ST, WAVERLY, OH 45690-1615
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00258/0663
Date	Jan 30, 2008
Book Page	258/0663
Instrument	2008_00000351

Lender

Name	ATOMIC EMPLOYEES CU
Address	WAVERLY, OH 45690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 29, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE OH
Property Address	404 S LOCK ST, WAVERLY, OH 45690-1615
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00228/0291
Date	Apr 14, 2005
Book Page	228/0291
Instrument	2005_00001504

Lender

Name	AMERICAN SAVINGS BANK FSB
Type	Bank
Address	WAVERLY, OH 45690

Agreement

Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE OH
Property Address	404 S LOCK ST, WAVERLY, OH 45690-1615
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00350/0564
Date	Jun 3, 2019
Book Page	350/0564
Instrument	201900001392

Lender

Name	ATOMIC CU
Type	Credit Union
Address	PIKETON, OH 45661

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.73%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.73%
Index	1-Year CMT
Max Rate	9.73%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE OH
Property Address	404 S LOCK ST, WAVERLY, OH 45690-1615
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	350/0564
Date	Jun 3, 2019
Book Page	350/0564
Instrument	201900001392

Lender

Name	ATOMIC CU
Type	Credit Union
Address	PIKETON, OH 45661

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.73%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.73%
Index	1-Year CMT
Max Rate	9.73%

October 2006: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	PIKE OH
Recording Date	Oct 17, 2006
Property Address	404 S LOCK ST, WAVERLY, OH 45690-1615
Document Number	00246/0424
Book / Page	246 / 0424
Instrument Date	Oct 16, 2006
Instrument	2006_00004141
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 S LOCK ST, WAVERLY, OH 45690-1615

Mortgage

Document Number	00246/0425
Date	Oct 17, 2006
Book Page	246/0425
Instrument	2006_00004142

Lender

Name	ATOMIC EMPLOYEES CU
Address	WAVERLY, OH 45690

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Nov 1, 2013
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	11.3%
Index	1-Year T-Bill
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 404 S Lock St was $1,803 with a homeowner's exemption, up 4% from the year before.

Source: Pike County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Pike County
County Subdivision	Pee Pee Township
Municipality	Waverly Village
Unified School District	Waverly City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,803.00 (+3.98%)	$48,960 (-) Land $8,370 Building $40,590
2024	$1,734.00 (-0.06%) Homeowner's exemption	$48,960 (-) Land $8,370 Building $40,590
2023	$1,735.00 (-12.42%) Homeowner's exemption	$48,960 (+1.01%) Land $8,370 Building $40,590	$139,900 Land $23,920 Building $115,980
2022	$1,981.00 Homeowner's exemption	$48,470 Land $6,850 Building $41,620
2020			$138,490 Land $19,580 Building $118,910

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

FEMA maps place 404 S Lock St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 404 S Lock St is low, with a 0.01% annual chance of 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	0.01% 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	WAVERLY CITY PWS serves 4,433 people · EPA ID OH6600912
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2021–2023) 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
altafiber Network Solutions Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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