406 Twp Rd 232 E, Waterloo, OH 45688 Property Records

Lawrence County property record for 406 Twp Rd 232 E, Waterloo, OH 45688

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,438 sqft · built 2008
Lot Size	6.75 acres (294,030 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2026)
Tax Bill	$2,147 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`20-031-1200.000`

Property Details

APN / Parcel Number

Primary APN	`20-031-1200.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,438 sqft Living Area
1st Floor Area	2,438 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 1990
Architectural Style	Mobile Home
Foundation Type	No Foundation
Lot Area	294,030 sqft (6.75 acres)
Porch	Open Frame Porch
Porch Area	590 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	406 TWP RD 232 E
City	WATERLOO
State	OH
Zip	45688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17-05-29 E1/2 NE 6.75AC
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1029
Census Tract	50600

Owner

406 Twp Rd 232 E is owned by an individual who bought it in June 2026.

Source: Lawrence County records, as of June 30, 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	700 SOUTH BLVD E, PONTIAC, MI 48341-3190
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage NETX MORTGAGE LLC
Apr 26, 2023	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on File
Deed Sale	Jun 17, 2026 · Amount on File
Prior Sale	Apr 26, 2023 · Amount on File
Deed Document Number	20263029
Deed Book / Page	1317 / 474
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Jun 17, 2026
Property Address	406 TOWNSHIP ROAD 232E, WATERLOO, OH 45688-9331
Document Number	0000003029
Book / Page	1317 / 474
Instrument Date	Jun 10, 2026
Instrument	20263029
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	DOWNTOWN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003030,
Date	Jun 17, 2026
Book Page	1317/477
Instrument	20263030

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	LAWRENCE OH
Recording Date	Apr 26, 2023
Property Address	406 TWP RD 232 E, WATERLOO, OH 45688
Document Number	0000002090
Book / Page	1179 / 571
Instrument Date	Apr 18, 2023
Instrument	2023-00002090
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	4668 TYLER CREEK RD, SALT ROCK, WV 25559-5920

Tax Assessment & Valuation

The 2025 property tax bill for 406 Twp Rd 232 E was $2,147, up 82.4% from the year before.

Source: Lawrence County assessment roll, as of January 21, 2026

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
2025	$2,147.00 (+82.41%)	$78,071 Land $9,643 Building $68,429	$223,060 Land $27,550 Building $195,510
2024	$1,177.00 (-0.68%)
2023	$1,185.00 (+0.17%)	$41,560 (+0.02%) Land $6,280 Building $35,280
2022	$1,183.00	$41,550 Land $6,270 Building $35,280	$118,750 Land $17,950 Building $100,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Twp Rd 232 E 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 406 Twp Rd 232 E 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 2 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 Twp Rd 232 E

All Twp Rd 232 E Property Records

Nearby Streets

All Waterloo, OH Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures