515 S River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 515 S River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,634 sqft · built 1987
Lot Size	1 acres (43,908 sqft)
Owner	Individual Name on File
Last Sale	$356,000 (Aug 2018)
Tax Bill	$9,651 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`96-02736`

Property Details

APN / Parcel Number

Primary APN	`96-02736`
Alternative APN	`46049021`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,634 sqft Living Area
1st Floor Area	1,386 sqft
2nd Floor Area	1,022 sqft
Attic	Attic
Attic Area	452 sqft
Basement Area	1,346 sqft

Exterior

Year Built	Built 1987
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Slab (Mat/Raft)
Lot Area	43,908 sqft (1 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	793 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Deck Area	630 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 S RIVER RD
City	WATERVILLE
State	OH
Zip	43566-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R1
Legal Description	RIVER TRACT NO 39 IRREG PCE PT SE CEN RD MEAS SWLY 100 FT FRT NE
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

Owner

515 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	515 S RIVER RD, WATERVILLE, OH 43566-1527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 14, 2018	Survivorship Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on File
Deed Sale	Aug 14, 2018 · Amount on File
Prior Sale	May 2, 2012
Deed Document Number	18106398
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	515 S RIVER RD, WATERVILLE, OH 43566-1527
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029558
Date	Jun 10, 2021
Instrument	202106100029558

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	237 Months
Due	Mar 1, 2041

August 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Aug 14, 2018
Property Address	515 S RIVER RD, WATERVILLE, OH 43566-1527
Document Number	0000035276
Instrument Date	Aug 10, 2018
Instrument	201808140035276
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	LOUISVILLE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,424.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	515 S RIVER RD, WATERVILLE, OH 43566-1527

Mortgage

Document Number	0000035277
Date	Aug 14, 2018
Instrument	201808140035277

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 515 S River Rd was $9,651, up 4.4% from the year before.

Source: Lucas County assessment roll, as of August 1, 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	$9,651.00 (+4.36%)	$190,785 (-) Land $29,295 Building $161,490
2024	$9,248.00 (+52.68%)	$190,785 (+71.9%) Land $29,295 Building $161,490	$545,100 Land $83,700 Building $461,400
2023	$6,057.00 (-0.96%)	$110,985 (-) Land $21,735 Building $89,250
2022	$6,116.00 Homeowner's exemption	$110,985 Land $21,735 Building $89,250
2021			$317,100 Land $62,100 Building $255,000

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 515 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

The area around 515 S River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Buckeye Cablesystem.

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