Lucas County property record for 441 S River Rd, Waterville, OH 43566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,573 sqft · built 1997 |
| Lot Size | 2.75 acres (119,790 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $805,500 (Aug 2022) |
| Tax Bill | $14,218 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Feb 2017 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 96-03414 |
| Primary APN | 96-03414 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,573 sqft Living Area |
| 1st Floor Area | 1,955 sqft |
| 2nd Floor Area | 1,224 sqft |
| Attic | Attic |
| Attic Area | 788 sqft |
| Basement Area | 1,776 sqft |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 119,790 sqft (2.75 acres) |
| Lot Width | 131 ft Width |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 350 sqft |
| Deck Area | 372 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 441 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 3 |
| Legal Subdivision | MIAMI RAPIDS REPLAT |
| Legal Lot Number | 3 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 441 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage GENOA BANKING CO |
| Feb 15, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 21, 2017 | Deed of Trust, Mortgage NEWTEK SMALL BUSN FIN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2022 · Amount on Record |
| Deed Sale | Aug 18, 2022 · Amount on Record |
| Prior Sale | Dec 1, 2016 · Amount on Record |
| Deed Document Number | 22106858 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Aug 18, 2022 |
| Property Address | 441 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Document Number | 0000036919 |
| Map Reference | VOL 76 PG 53 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 202208180036919 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 441 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Document Number | 0000036920 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 202208180036920 |
| Name | GENOA BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 441 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006410 |
|---|---|
| Date | Feb 15, 2017 |
| Instrument | 201702150006410 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 19, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 441 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Document Number | 0000033134 |
| Instrument Date | Jul 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 441 S RIVER RD WATERVILLE OH 435661528, WATERVILLE, OH 43566-1528 |
| Document Number | 0000033134 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 33134 |
| Name | NEWTEK SMALL BUSN FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | WEST HEMPSTEAD, NY 11552 |
| Amount | Amount Recorded |
|---|---|
| Term | 144 Months |
| Due | Jul 30, 2029 |
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 | $14,218.00 (+4.26%) Homeowner's exemption | $281,155 (-) Land $42,770 Building $238,385 | |
| 2024 | $13,637.00 (+67.57%) Homeowner's exemption | $281,155 (+88.66%) Land $42,770 Building $238,385 | $803,300 (+88.66%) Land $122,200 Building $681,100 |
| 2023 | $8,138.00 (-0.96%) Homeowner's exemption | $149,030 (-) Land $28,770 Building $120,260 | |
| 2022 | $8,217.00 Homeowner's exemption | $149,030 Land $28,770 Building $120,260 | |
| 2021 | $425,800 Land $82,200 Building $343,600 |
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.
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 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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