Lucas County property record for 522 S River Rd, Waterville, OH 43566
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,988 sqft · built 1952 |
| Lot Size | 0.565 acres (24,650 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Dec 2019) |
| Tax Bill | $3,361 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 96-20091 |
| Primary APN | 96-20091 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,988 sqft Total Area |
| 1st Floor Area | 1,988 sqft |
| Year Built | Built 1952 |
|---|---|
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 24,650 sqft (0.565 acres) |
| Lot Dimensions | 200 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 522 S RIVER RD |
|---|---|
| City | WATERVILLE |
| State | OH |
| Zip | 43566-1526 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 39-R1 |
| Legal Description | FORT DEPOSIT ESTATES LOT 9 EXC IRREG PCE MEAS 80 FT FRT BY 75 FT RE |
| Legal Subdivision | FORT DEPOSIT ESTATES |
| Legal Lot Number | 9 |
| Jurisdiction | LUCAS OH |
| Township / Civil Division | ROCHE DE BOEUF |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 8906 |
Source: Lucas County records, as of February 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 7367 CODER RD, MAUMEE, OH 43537-9756 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2019 · Amount on Record |
| Deed Sale | Dec 20, 2019 · Amount on Record |
| Prior Sale | Jul 17, 2012 |
| Deed Document Number | 19109621 |
| Record Updated | Jun 8, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Dec 20, 2019 |
| Property Address | 522 S RIVER RD, WATERVILLE, OH 43566-1526 |
| Document Number | 0000052518 |
| Map Reference | VOL 48 PG 52 |
| Instrument Date | Dec 19, 2019 |
| Instrument | 201912200052518 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 7367 CODER RD, MAUMEE, OH 43537-9756 |
| Document Number | 0000052519 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 201912200052519 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 | $3,361.00 (+4.77%) | $64,855 (-) Land $14,665 Building $50,190 | |
| 2024 | $3,208.00 (+31.1%) | $64,855 (+47.89%) Land $14,665 Building $50,190 | $185,300 (+47.89%) Land $41,900 Building $143,400 |
| 2023 | $2,447.00 (-0.97%) | $43,855 (-) Land $10,150 Building $33,705 | |
| 2022 | $2,471.00 | $43,855 Land $10,150 Building $33,705 | |
| 2021 | $125,300 Land $29,000 Building $96,300 |
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.
Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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