Lucas County property record for 525 S River Rd, Waterville, OH 43566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,731 sqft · built 1987 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,385 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 96-02743 |
| Primary APN | 96-02743 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,731 sqft Living Area |
| 1st Floor Area | 1,444 sqft |
| 2nd Floor Area | 1,287 sqft |
| Basement Area | 1,444 sqft |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Lot Area | 43,996 sqft (1.01 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 448 sqft |
| Deck Area | 266 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 525 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 SW 100 FT FRT NE 2060.34 FT FRT BY 146.38 FT R |
| 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 |
525 S River Rd is owned and occupied by two individuals.
Source: Lucas County records, as of February 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 525 S RIVER RD, WATERVILLE, OH 43566-1527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 525 S RIVER RD, WATERVILLE, OH 43566-1527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000008991 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 202003030008991 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 25, 2050 |
The 2025 property tax bill for 525 S River Rd was $7,385 with a homeowner's exemption, up 4.3% from the year before.
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 | $7,385.00 (+4.31%) Homeowner's exemption | $155,890 (-) Land $35,805 Building $120,085 | |
| 2024 | $7,080.00 (+20.82%) Homeowner's exemption | $155,890 (+33.87%) Land $35,805 Building $120,085 | $445,400 Land $102,300 Building $343,100 |
| 2023 | $5,860.00 (-1.35%) Homeowner's exemption | $116,445 (-) Land $26,145 Building $90,300 | |
| 2022 | $5,940.00 Homeowner's exemption | $116,445 Land $26,145 Building $90,300 | |
| 2021 | $332,700 Land $74,700 Building $258,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 525 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.
The area around 525 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.
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 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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