Washington County property record for 421 Shaffer Rd, Waterford, OH 45786
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 960 sqft · built 1990 |
| Lot Size | 48.8 acres (2,129,213 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Jul 1991) |
| Tax Bill | $1,443 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 310053720000 |
| Primary APN | 310053720000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 960 sqft |
| Unfinished Basement | 960 sqft |
| Storm Shelter | Storm Shelter |
| Flooring | Wood |
| Interior Walls | Plaster |
| Storm Shutters | Storm Shutters |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 2,129,213 sqft (48.8 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 2,262 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 720 sqft |
| Granary | 2 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Private |
| Street Address | 421 SHAFFER RD |
|---|---|
| City | WATERFORD |
| State | OH |
| Zip | 45786-6180 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | R10 T4 S32 160 AC LOT 815 W END 48.881 AC |
| Legal Range | 10 |
| Legal Township | 04 |
| Legal Section | 32 |
| Legal Lot Number | 815 |
| Jurisdiction | WASHINGTON OH |
| Township / Civil Division | PALMER |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 21600 |
421 Shaffer Rd is owned and occupied by an individual who bought it in July 1991.
Source: Washington County records, as of July 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 421 SHAFFER RD, WATERFORD, OH 45786-6180 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 13, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA PCA |
| Feb 26, 2020 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 1991 · Amount on File |
| Deed Sale | Jul 10, 1991 · Amount on File |
| Deed Document Number | 1991689 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON OH |
| Property Address | 421 SHAFFER RD, WATERFORD, OH 45786-6180 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000621/983 |
|---|---|
| Date | Dec 13, 2017 |
| Book Page | 621/983 |
| Instrument | 201700007949 |
| Name | FARM CREDIT MID AMERICA PCA |
|---|---|
| Type | Funding / Finance Company |
| Address | LOUISVILLE, KY 40223 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON OH |
| Property Address | 421 SHAFFER RD, WATERFORD, OH 45786-6180 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00643/5106 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 643/5106 |
| Instrument | 202000001234 |
| Name | THE CITIZENS BANK CO |
|---|---|
| Type | Bank |
| Address | BEVERLY, OH 45715 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 21, 2030 |
The 2025 property tax bill for 421 Shaffer Rd was $1,443 with exemptions applied, up 55.5% from the year before.
Source: Washington County assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Washington County |
| County Subdivision | Palmer Township |
| Unified School District | Wolf Creek Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,443.00 (+55.5%) Homeowner's exemption Senior Citizen's exemption | $72,520 (+37.32%) Land $41,200 Building $31,320 | $207,190 Land $117,710 Building $89,480 |
| 2024 | $928.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $52,810 Land $29,370 Building $23,440 | |
| 2022 | $965.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $52,810 Land $29,370 Building $23,440 | $150,870 Land $83,900 Building $66,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Shaffer Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective April 15, 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 | 1 in force |
| Nearby Flood Claims | 4 (1997–2005) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jan 2005 · Severe Winter Storms, Flooding, And Mudslides |
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 risk around 421 Shaffer Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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