Lucas County property record for 409 S River Rd, Waterville, OH 43566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,430 sqft · built 1989 |
| Lot Size | 5.41 acres (235,703 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,062 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Feb 2021 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 96-03431 |
| Primary APN | 96-03431 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,430 sqft Living Area |
| 1st Floor Area | 1,441 sqft |
| 2nd Floor Area | 989 sqft |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Foundation Type | Raised |
| Lot Area | 235,703 sqft (5.41 acres) |
| Lot Width | 75 ft Width |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 372 sqft |
| Deck Area | 344 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 S RIVER RD |
|---|---|
| City | WATERVILLE |
| State | OH |
| Zip | 43566-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 39-R1 |
| Legal Description | MIAMI RAPIDS REPLAT LOT 6 |
| Legal Subdivision | MIAMI RAPIDS REPLAT |
| Legal Lot Number | 6 |
| Jurisdiction | LUCAS OH |
| Township / Civil Division | ROCHE DE BOEUF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 8906 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Feb 2, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 409 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 5 RIVER RD, 5, WATERVILLE, OH 43566 |
| Document Number | 0000007962 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 202202160007962 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 15, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 409 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|
| Document Number | 0000005844 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 202102020005844 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | WATERVILLE, OH 43566 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2036 |
Source: Lucas County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lucas County |
| Municipality | Waterville City |
| Unified School District | Anthony Wayne Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,062.00 (+4.39%) | $158,935 (-) Land $51,380 Building $107,555 | |
| 2024 | $7,723.00 (+28.23%) | $158,935 (+44.39%) Land $51,380 Building $107,555 | $454,100 (+44.39%) Land $146,800 Building $307,300 |
| 2023 | $6,023.00 (-0.95%) | $110,075 (-) Land $36,505 Building $73,570 | |
| 2022 | $6,081.00 Homeowner's exemption | $110,075 Land $36,505 Building $73,570 | |
| 2021 | $314,500 Land $104,300 Building $210,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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 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.
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