Lucas County property record for 475 S River Rd, Waterville, OH 43566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,433 sqft · built 1985 |
| Lot Size | 1.74 acres (75,794 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Aug 2018) |
| Tax Bill | $8,631 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 96-03401 |
| Primary APN | 96-03401 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,433 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| 2nd Floor Area | 1,081 sqft |
| Basement Area | 1,352 sqft |
| Finished Basement | 780 sqft |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Lot Area | 75,794 sqft (1.74 acres) |
| Lot Width | 121 ft Width |
| Garage Type | Basement |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 572 sqft |
| Deck Area | 722 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 475 S RIVER RD |
|---|---|
| City | WATERVILLE |
| State | OH |
| Zip | 43566-1535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 39-R1 |
| Legal Description | MIAMI RAPIDS REPLAT LOT 1 |
| Legal Subdivision | MIAMI RAPIDS REPLAT |
| Legal Lot Number | 1 |
| Jurisdiction | LUCAS OH |
| Township / Civil Division | ROCHE DE BOEUF |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 8906 |
475 S River Rd is owned and occupied by an individual who bought it in August 2018.
Source: Lucas County records, as of February 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Aug 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 18, 2017 | Trustee's Deed, Construction Loan · Line of Credit WATERFORD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2018 · Amount on File |
| Deed Sale | Aug 14, 2018 · Amount on File |
| Prior Sale | Sep 19, 2017 · Amount on File |
| Deed Document Number | 18106438 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Document Number | 0000049220 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 202211150049220 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015342 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 202004230015342 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Aug 14, 2018 |
| Property Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Document Number | 0000035323 |
| Map Reference | PL76-53 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 201808140035323 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Document Number | 0000035324 |
|---|---|
| Date | Aug 14, 2018 |
| Instrument | 201808140035324 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Sep 18, 2017 |
| Property Address | 475 S RIVER RD, WATERVILLE, OH 43566-1535 |
| Instrument Date | Sep 7, 2017 |
| Instrument | 40779 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 475 S RIVER RD WATERVILLE OH 435661535, WATERVILLE, OH 43566-1535 |
| Document Number | 0000040779 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 40779 |
| Name | WATERFORD BK NA |
|---|---|
| Type | Bank |
| Address | SYLVANIA TOWNSHIP, OH 43617 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 17, 2018 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 475 S River Rd was $8,631 with a homeowner's exemption, up 4.4% from the year before.
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 | $8,631.00 (+4.38%) Homeowner's exemption | $170,485 (-) Land $36,855 Building $133,630 | |
| 2024 | $8,269.00 (+40.51%) Homeowner's exemption | $170,485 (+58.2%) Land $36,855 Building $133,630 | $487,100 Land $105,300 Building $381,800 |
| 2023 | $5,885.00 (-0.96%) Homeowner's exemption | $107,765 (-) Land $25,760 Building $82,005 | |
| 2022 | $5,942.00 Homeowner's exemption | $107,765 Land $25,760 Building $82,005 | |
| 2021 | $307,900 Land $73,600 Building $234,300 |
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.
FEMA maps place 475 S River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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.
Wildfire risk around 475 S River Rd 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 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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