531 Independence Dr, Waterville, OH 43566 Property Records

Lucas County property record for 531 Independence Dr, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,136 sqft · built 1982
Lot Size	0.339 acres (14,800 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Mar 2021)
Tax Bill	$4,650 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`96-32964`

Property Details

APN / Parcel Number

Primary APN	`96-32964`
Alternative APN	`46067020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,136 sqft Living Area
1st Floor Area	1,059 sqft
2nd Floor Area	1,077 sqft

Exterior

Year Built	Built 1982
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	14,800 sqft (0.339 acres)
Lot Dimensions	159 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	531 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 274
Legal Subdivision	VILLAGE PARK PLAT 3 PHASE 3
Legal Lot Number	274
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	1
Census Block	1003
Census Tract	8905

Owner

531 Independence Dr is owned and occupied by an individual who bought it in March 2021.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	531 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Warranty Deed, Transfer · Conventional Mortgage EQUITY RESOURCES INC
Dec 4, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	Oct 5, 2011 · Amount on File
Deed Document Number	202103250015195
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Mar 25, 2021
Property Address	531 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
Document Number	0000015195
Map Reference	VOL 81 PG 1
Instrument Date	Mar 17, 2021
Instrument	202103250015195
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	531 INDEPENDENCE DR, WATERVILLE, OH 43566-1234

Mortgage

Document Number	0000015196
Date	Mar 25, 2021
Instrument	202103250015196

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	531 INDEPENDENCE DR, WATERVILLE, OH 43566-1234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KINGDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049653
Date	Dec 4, 2019
Instrument	201912040049653

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 531 Independence Dr was $4,650, up 4.7% 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	$4,650.00 (+4.66%)	$91,700 (-) Land $20,510 Building $71,190
2024	$4,443.00 (+10.96%)	$91,700 (+25%) Land $20,510 Building $71,190	$262,000 Land $58,600 Building $203,400
2023	$4,004.00 (-0.96%)	$73,360 (-) Land $17,115 Building $56,245
2022	$4,043.00 Homeowner's exemption	$73,360 Land $17,115 Building $56,245
2021			$209,600 Land $48,900 Building $160,700

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 531 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 531 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 210 locations within half a mile, as of December 31, 2025

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

May also be available: MetaLINK Technologies.

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