409 N River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 409 N River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,940 sqft · built 1959
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on Record
Last Sale	$338,000 (Jul 2023)
Tax Bill	$6,250 (2025)
Deeds & Mortgages	Jul 2023 Sale Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`96-00824`

Property Details

APN / Parcel Number

Primary APN	`96-00824`
Alternative APN	`46043021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,940 sqft Living Area
1st Floor Area	1,258 sqft
2nd Floor Area	682 sqft

Exterior

Year Built	Built 1959
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	58,806 sqft (1.35 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	569 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 N RIVER RD
City	WATERVILLE
State	OH
Zip	43566-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R1
Legal Description	RIVER TRACT NO 34 S 100 FT FRT ON RIVER RD PT BET RIVER RD & ANT
Legal Subdivision	RIVER TR 34
Legal Tract	34
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	3
Census Block	3011
Census Tract	8905

Owner

Source: Lucas County records, as of February 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	409 N RIVER RD, WATERVILLE, OH 43566-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Survivorship Deed, Transfer LOUISVILLE, LOUISVILLE TTL AGCY FOR NW O
Aug 19, 2021	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Jan 18, 2019	Grant Deed, Transfer LOUISVILLE, LOUISVILLE TITLE AGCY/NW OH
Jan 7, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FED'L SVGS & LN ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Jan 18, 2019 · Amount on Record
Deed Document Number	202307050020526
Record Updated	Jun 8, 2026

July 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Jul 5, 2023
Property Address	409 N RIVER RD, WATERVILLE, OH 43566-1456
Document Number	0000020526
Instrument Date	Jun 22, 2023
Instrument	202307050020526
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	LOUISVILLE, LOUISVILLE TTL AGCY FOR NW O

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	409 N RIVER RD, WATERVILLE, OH 43566-1456

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	409 N RIVER RD, WATERVILLE, OH 43566-1456
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N RIVER RD, WATERVILLE, OH 43566-1456

Mortgage

Document Number	0000044120
Date	Aug 19, 2021
Instrument	202108190044120

Lender

Name	PREMIER BANK
Type	Bank
Address	MAUMEE, OH 43537

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 28, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LUCAS OH
Recording Date	Jan 18, 2019
Property Address	409 N RIVER RD, WATERVILLE, OH 43566-1456
Document Number	0000002481
Instrument Date	Jan 15, 2019
Instrument	2481
Transaction Type	Transfer
Record Updated	Feb 21, 2019
Title Company	LOUISVILLE, LOUISVILLE TITLE AGCY/NW OH

Transaction

Amount	Amount Recorded
Tax	$969.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 N RIVER RD WATERVILLE OH 435661456, WATERVILLE, OH 43566-1456

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LUCAS OH
Recording Date	Jan 7, 2019
Property Address	409 N RIVER RD, WATERVILLE, OH 43566-1456
Instrument Date	Dec 17, 2018
Instrument	853
Transaction Type	Construction Loan
Record Updated	Feb 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	409 N RIVER RD DELTA OH 43515, DELTA, OH 43515

Mortgage

Document Number	0000000853
Date	Jan 7, 2019
Instrument	853

Lender

Name	FIRST FED'L SVGS & LN ASSN
Address	DELTA, OH 43515

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 6, 2020

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	$6,250.00 (+8.96%) Homeowner's exemption	$123,235 (+4.26%) Land $31,115 Building $92,120
2024	$5,736.00 (+33.02%) Homeowner's exemption	$118,195 (+49.82%) Land $31,115 Building $87,080	$352,100 (+56.21%) Land $88,900 Building $263,200
2023	$4,312.00 (-0.96%) Homeowner's exemption	$78,890 (-) Land $22,050 Building $56,840
2022	$4,354.00 Homeowner's exemption	$78,890 Land $22,050 Building $56,840
2021			$225,400 Land $63,000 Building $162,400

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

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · 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 Policies	4 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 95% of the US · lower than 78% 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20

May also be available: Brightspeed.

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