5581 Co Rd 14, Waterloo, OH 45688 Property Records

Lawrence County property record for 5581 Co Rd 14, Waterloo, OH 45688

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,453 sqft · built 1960
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$26,500 (Sep 1998)
Tax Bill	$1,542 (2023)
Deeds & Mortgages	Jan 2026 Mortgage May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-014-0600.000`

Property Details

APN / Parcel Number

Primary APN	`20-014-0600.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,453 sqft Living Area
Gross Area	3,085 sqft
1st Floor Area	1,145 sqft
Upper Floors Area	308 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2012
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Detached
Garage Area	1,584 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	295 sqft
Patio Area	800 sqft
Shed	1 Shed
Shed Area	160 sqft
Canopy	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Street Address	5581 COUNTY ROAD 14
City	WATERLOO
State	OH
Zip	45688-9314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17-05-17 PT. SW PT. W1/2 SE N OF RD 0002.50A
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1031
Census Tract	50600

Owner

5581 Co Rd 14 is owned and occupied by two individuals who bought it in September 1998.

Source: Lawrence County records, as of May 3, 2024

Owner of Record	2 Individual Names on File
Mailing Address	5581 COUNTY ROAD 14, WATERLOO, OH 45688-9314
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
Jan 5, 2026	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
May 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 1998 · Amount on File
Deed Sale	Sep 23, 1998 · Amount on File
Deed Document Number	1030
Record Updated	Jun 7, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	5581 COUNTY ROAD 14, WATERLOO, OH 45688-9314
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 COUNTY ROAD 14, WATERLOO, OH 45688-9314

Mortgage

Document Number	0000000009
Date	Jan 5, 2026
Book Page	1296/814
Instrument	2026-00000009

Lender

Name	US BANK NA
Type	Bank
Address	9380 EXCELSIOR BLVD, HOPKINS, MN 55343

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	59 Months
Due	Dec 21, 2030

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	5581 COUNTY ROAD 14, WATERLOO, OH 45688-9314
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5581 COUNTY ROAD 14, WATERLOO, OH 45688-9314

Mortgage

Document Number	0000002521
Date	May 17, 2023
Book Page	1182/379
Instrument	2023-00002521

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Apr 15, 2033

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lawrence County
County Subdivision	Symmes Township
Unified School District	Symmes Valley Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,542.00 (+0.13%) Homeowner's exemption	$55,120 (-) Land $5,160 Building $49,960
2022	$1,540.00 Homeowner's exemption	$55,120 Land $5,160 Building $49,960	$157,500 Land $14,750 Building $142,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5581 Co Rd 14 in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective April 1, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	9 (2000–2017)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Mar 2017 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2011 · 2 claims

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

Wildfire risk around 5581 Co Rd 14 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 97.6% of Ohio
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HECLA WATER ASSOCIATION private · serves 34,942 people · EPA ID OH4401612
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

Nearby Properties on Co Rd 14

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures