5077 Co Rd 48, Waterloo, OH 45688 Property Records

Lawrence County property record for 5077 Co Rd 48, Waterloo, OH 45688

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,508 sqft · built 2009
Lot Size	1.69 acres (73,616 sqft)
Owner	Trust Name on File
Tax Bill	$2,930 (2023)
Deeds & Mortgages	Jun 2017 Line of Credit Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-030-0700.001`

Property Details

APN / Parcel Number

Primary APN	`20-030-0700.001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,508 sqft Living Area
Gross Area	2,664 sqft
1st Floor Area	2,508 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2019
Architectural Style	Other
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Lot Area	73,616 sqft (1.69 acres)
Garage Type	Mixed
Garage Area	1,804 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	636 sqft
Patio Area	100 sqft
Lean-To	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	5077 COUNTY ROAD 48
City	WATERLOO
State	OH
Zip	45688-9386
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17-5-27 S 1/2 SW PT 1.69AC
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1029
Census Tract	50600

Owner

5077 Co Rd 48 is owner-occupied and held in a trust since August 2020.

Source: Lawrence County records, as of May 3, 2024

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	Trust Name on File
Mailing Address	5077 COUNTY ROAD 48, WATERLOO, OH 45688-9386
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 14, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Feb 7, 2008
Last Transfer Date	Aug 17, 2020
Transfer Doc	0000005130
Record Updated	Jun 7, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	5077 COUNTY ROAD 48, WATERLOO, OH 45688-9386
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003729
Date	Jun 22, 2017
Book Page	902/413
Instrument	2017-00003729

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	May 10, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	5077 COUNTY ROAD 48, WATERLOO, OH 45688-9386
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5077 COUNTY ROAD 48, WATERLOO, OH 45688-9386

Mortgage

Document Number	0000007640
Date	Dec 14, 2020
Book Page	1063/57
Instrument	2020-00007640

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Nov 13, 2035

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE OH
Recording Date	Aug 17, 2020
Property Address	5077 COUNTY ROAD 48, WATERLOO, OH 45688-9386
Document Number	0000005130
Book / Page	001045 / 000776
Instrument Date	Aug 12, 2020
Instrument	5130
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5077 COUNTY ROAD 48 WATERLOO OH 456889386, WATERLOO, OH 45688-9386

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lawrence County
County Subdivision	Symmes Township
Unified School District	Symmes Valley Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,930.00 (+0.1%)	$103,640 (-) Land $4,510 Building $99,130
2022	$2,927.00	$103,640 Land $4,510 Building $99,130	$296,130 Land $12,890 Building $283,240

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5077 Co Rd 48 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 1, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	9 (2000–2017)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Mar 2017 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2011 · 2 claims

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 5077 Co Rd 48 is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 98.4% of Ohio
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HECLA WATER ASSOCIATION private · serves 34,942 people · EPA ID OH4401612
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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