Lucas County property record for 495 S River Rd, Waterville, OH 43566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,931 sqft · built 1982 |
| Lot Size | 1.55 acres (67,779 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $204,000 (Dec 2006) |
| Tax Bill | $6,092 (2025) |
| Deeds & Mortgages | May 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 96-02647 |
| Primary APN | 96-02647 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,931 sqft Living Area |
| 1st Floor Area | 1,183 sqft |
| 2nd Floor Area | 748 sqft |
| Year Built | Built 1982 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 67,779 sqft (1.55 acres) |
| Lot Width | 130 ft Width |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 25 sqft |
| Deck Area | 290 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 495 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 | RIVER TRACT NO 39 PT E OF RIVER RD...S 252.97 FT N 1860.17 FT AS |
| Legal Subdivision | RIVER TR 39 |
| Legal Tract | 39 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 495 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2006 · Amount on Record |
| Deed Sale | Dec 26, 2006 · Amount on Record |
| Prior Sale | Apr 13, 2005 · Amount on Record |
| Deed Document Number | 6110288 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 495 S RIVER RD, WATERVILLE, OH 43566-1528 |
| Document Number | 0000020083 |
| Instrument Date | May 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 495 S RIVER RD WATERVILLE OH 435661528, WATERVILLE, OH 43566-1528 |
| Document Number | 0000020083 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 20083 |
| Name | MORTGAGEE DIRECTIONS CU |
|---|---|
| Address | SYLVANIA, OH 43560 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 30, 2029 |
| Rate Type | Adjustable Rate |
|---|
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 | $6,092.00 (+4.51%) | $120,225 (-) Land $35,525 Building $84,700 | |
| 2024 | $5,829.00 (+31.22%) | $120,225 (+47.81%) Land $35,525 Building $84,700 | $343,500 (+47.81%) Land $101,500 Building $242,000 |
| 2023 | $4,442.00 (-0.96%) | $81,340 (-) Land $33,215 Building $48,125 | |
| 2022 | $4,485.00 Homeowner's exemption | $81,340 Land $33,215 Building $48,125 | |
| 2021 | $232,400 Land $94,900 Building $137,500 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures