511 Independence Dr, Waterville, OH 43566 Property Records

Lucas County property record for 511 Independence Dr, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,955 sqft · built 1980
Lot Size	0.308 acres (13,400 sqft)
Owner	2 Individual Names on File
Last Sale	$332,000 (Apr 2026)
Tax Bill	$4,539 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`96-32981`

Property Details

APN / Parcel Number

Primary APN	`96-32981`
Alternative APN	`46067025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,955 sqft Living Area
Gross Area	3,067 sqft
1st Floor Area	902 sqft
2nd Floor Area	1,053 sqft
Basement Area	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Lot Area	13,400 sqft (0.308 acres)
Lot Dimensions	163 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	90 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	511 INDEPENDENCE DR
City	WATERVILLE
State	OH
Zip	43566-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R1
Legal Description	VILLAGE PARK PLAT 3 PHASE 3 LOT 279
Legal Subdivision	VILLAGE PARK PLAT 3 PHASE 3
Legal Tract	89.02
Legal Lot Number	279
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	1
Census Block	1003
Census Tract	8905

Owner

511 Independence Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Lucas County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	511 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 22, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NW OH
Jun 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/NW OH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	Aug 20, 2003 · Amount on File
Deed Document Number	202615086
Prior Transfer Date	Aug 28, 2024
Prior Transfer Doc	0000028245
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Apr 17, 2026
Property Address	511 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
Document Number	0000015086
Instrument Date	Apr 14, 2026
Instrument	202615086
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134,128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	511 INDEPENDENCE DR, WATERVILLE, OH 43566-1234

Mortgage

Document Number	0000015087,
Date	Apr 17, 2026
Instrument	202615087

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	511 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
Document Number	0000031678
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 INDEPENDENCE DR WATERVILLE OH 435661234, WATERVILLE, OH 43566-1234

Mortgage

Document Number	0000031678
Date	Aug 12, 2019
Instrument	31678

Lender

Name	FIFTH THIRD BK/NW OH
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2049

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	511 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
Document Number	0000028122
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 INDEPENDENCE DR WATERVILLE OH 435661234, WATERVILLE, OH 43566-1234

Mortgage

Document Number	0000028122
Date	Jun 29, 2018
Instrument	28122

Lender

Name	FIFTH THIRD BK/NW OH
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
Municipality	Waterville City
Unified School District	Anthony Wayne Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$93,660 (-) Land $17,780 Building $75,880	$267,600 (-) Land $50,800 Building $216,800
2024	$4,539.00 (+6.65%)	$93,660 (+20.11%) Land $17,780 Building $75,880	$267,600 Land $50,800 Building $216,800
2023	$4,256.00 (-0.98%)	$77,980 (-) Land $13,335 Building $64,645
2022	$4,298.00 Homeowner's exemption	$77,980 Land $13,335 Building $64,645
2021			$222,800 Land $38,100 Building $184,700

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.

Flood

FEMA maps place 511 Independence Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 511 Independence Dr 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 437 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
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, MetaLINK Technologies.

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