Pike County property record for 405 S Lock St, Waverly, OH 45690
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,956 sqft · built 1928 |
| Lot Size | 0.313 acres (13,652 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,430 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-068600.0000 |
| Primary APN | 18-068600.0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,956 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Attic | Attic |
| Attic Area | 1,224 sqft |
| Basement Area | 612 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Shingle |
| Lot Area | 13,652 sqft (0.313 acres) |
| Lot Dimensions | 182 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 S LOCK ST |
|---|---|
| City | WAVERLY |
| State | OH |
| Zip | 45690-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 24 E1/2 LOT 25 WHOLE 209/1351 |
| Legal Lot Number | 24 |
| Jurisdiction | PIKE OH |
| Township / Civil Division | PEE PEE |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 952400 |
405 S Lock St is owned and occupied by an individual.
Source: Pike County records, as of April 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 S LOCK ST, WAVERLY, OH 45690-1616 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PIKE OH |
| Property Address | 405 S LOCK ST, WAVERLY, OH 45690-1616 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 338/0289 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 338/0289 |
| Instrument | 201700003515 |
| Name | HOMELAND CU INC |
|---|---|
| Type | Credit Union |
| Address | CHILLICOTHE, OH 45601 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 18% |
The 2025 property tax bill for 405 S Lock St was $1,430 with exemptions applied, up 3.1% from the year before.
Source: Pike County assessment roll, as of April 10, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Pike County |
| County Subdivision | Pee Pee Township |
| Municipality | Waverly Village |
| Unified School District | Waverly City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,430.00 (+3.1%) | $49,010 (-) Land $12,080 Building $36,930 | |
| 2024 | $1,387.00 (-1.56%) Homeowner's exemption Senior Citizen's exemption | $49,010 (-) Land $12,080 Building $36,930 | |
| 2023 | $1,409.00 (+16.45%) Homeowner's exemption Senior Citizen's exemption | $49,010 (+27.43%) Land $12,080 Building $36,930 | $140,020 Land $34,500 Building $105,520 |
| 2022 | $1,210.00 Homeowner's exemption Senior Citizen's exemption | $38,460 Land $8,220 Building $30,240 | |
| 2020 | $109,900 Land $23,490 Building $86,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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 risk around 405 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.
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 |
| 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.
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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