416 Elm St, Waterville, OH 43566 Property Records

Lucas County property record for 416 Elm St, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,599 sqft · built 1895
Lot Size	0.353 acres (15,400 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Mar 2023)
Tax Bill	$4,787 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`96-09381`

Property Details

APN / Parcel Number

Primary APN	`96-09381`
Alternative APN	`46008022`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,599 sqft Living Area
1st Floor Area	901 sqft
2nd Floor Area	698 sqft

Exterior

Year Built	Built 1895
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	15,400 sqft (0.353 acres)
Lot Dimensions	200 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 ELM ST
City	WATERVILLE
State	OH
Zip	43566-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R2
Legal Description	THOMAS PRAYS ADDITION LOT 6 E 10 FT & 7
Legal Subdivision	THOMAS PRAYS ADDITION
Legal Lot Number	6
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	3
Census Block	3020
Census Tract	8905

Owner

416 Elm St is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	416 ELM ST, WATERVILLE, OH 43566-1352
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
Mar 20, 2023	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/NW OH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2023 · Amount on File
Deed Sale	Mar 20, 2023 · Amount on File
Prior Sale	Mar 8, 2021 · Amount on File
Deed Document Number	23101429
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Mar 20, 2023
Property Address	416 ELM ST, WATERVILLE, OH 43566-1352
Document Number	0000008097
Map Reference	VOL 7 PG 39
Instrument Date	Mar 9, 2023
Instrument	202303200008097
Transaction Type	Transfer
Record Updated	Apr 12, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	416 ELM ST, WATERVILLE, OH 43566-1352

Mortgage

Document Number	0000008098
Date	Mar 20, 2023
Instrument	202303200008098

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Mar 8, 2021
Property Address	416 ELM ST, WATERVILLE, OH 43566-1352
Document Number	0000011532
Map Reference	VOL 7 PG 39
Instrument Date	Feb 23, 2021
Instrument	202103080011532
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	416 ELM ST, WATERVILLE, OH 43566-1352

Mortgage

Document Number	0000011533
Date	Mar 8, 2021
Instrument	202103080011533

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	416 ELM ST, WATERVILLE, OH 43566-1352
Document Number	0000027767
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 ELM ST WATERVILLE OH 435661352, WATERVILLE, OH 43566-1352

Mortgage

Document Number	0000027767
Date	Jul 18, 2019
Instrument	27767

Lender

Name	FIFTH THIRD BK/NW OH
Type	Bank
Address	WATERVILLE, OH 43566

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 416 Elm St was $4,787, up 4.6% from the year before.

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	$4,787.00 (+4.61%)	$94,185 (-) Land $12,005 Building $82,180
2024	$4,576.00 (+55.54%)	$94,185 (+75.2%) Land $12,005 Building $82,180	$269,100 Land $34,300 Building $234,800
2023	$2,942.00 (-0.94%)	$53,760 (-) Land $15,330 Building $38,430
2022	$2,970.00 Homeowner's exemption	$53,760 Land $15,330 Building $38,430
2021			$153,600 Land $43,800 Building $109,800

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 416 Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 416 Elm St is low, with less than 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 97% of the US · lower than 85% 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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