5862 N River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 5862 N River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	6 bd · 1.5 ba · 3,063 sqft · built 1902
Lot Size	1 acres (43,600 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Sep 2021)
Tax Bill	$8,460 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-45201`

Property Details

APN / Parcel Number

Primary APN	`38-45201`
Alternative APN	`23005059`

Interior

Bedrooms	6 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,063 sqft Living Area
Gross Area	4,975 sqft
1st Floor Area	1,323 sqft
2nd Floor Area	1,160 sqft
Attic	Attic
Attic Area	1,160 sqft
Basement Area	1,332 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Brick
Construction Type	Brick
Lot Area	43,600 sqft (1 acres)
Lot Width	100 ft Width
View / Lot	Secondary
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	683 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	5862 N RIVER RD
City	WATERVILLE
State	OH
Zip	43566-9766
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	17-AR
Legal Description	RIVER TRACT 30 NE 100 FT SW 500 FT PT N OF RIVER RD & AT RIGH
Legal Subdivision	RIVER TR 30
Legal Tract	30
Legal Lot Number	1
Jurisdiction	LUCAS OH
Township / Civil Division	MONCLOVA
Census Block Group	1
Census Block	1033
Census Tract	9003

Owner

5862 N River Rd is owned and occupied by two individuals who bought it in September 2021.

Source: Lucas County records, as of June 3, 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	2 Individual Names on File
Mailing Address	5862 N RIVER RD, WATERVILLE, OH 43566-9766
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Survivorship Deed, Transfer · Conventional Mortgage FIRST FSB (OF DELAWARE
Sep 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE CROGHAN COLONIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Jul 20, 2006 · Amount on File
Deed Document Number	202148062
Prior Transfer Date	Aug 9, 2012
Prior Transfer Doc	0000040176
Record Updated	Oct 29, 2026

September 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Sep 9, 2021
Property Address	5862 N RIVER RD, WATERVILLE, OH 43566-9766
Document Number	0000048062
Instrument Date	Aug 2, 2021
Instrument	202109090048062
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	AAA TITLE AGENCY INC, AREA TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	5862 N RIVER RD, WATERVILLE, OH 43566-9766

Mortgage

Document Number	0000048063
Date	Sep 9, 2021
Instrument	202109090048063

Lender

Name	FIRST FSB (OF DELAWARE
Type	Bank

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	5862 N RIVER RD, WATERVILLE, OH 43566-9766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BUCKEY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043439
Date	Sep 21, 2018
Instrument	201809210043439

Lender

Name	THE CROGHAN COLONIAL BANK
Type	Bank
Address	OREGON, OH 43616

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
County Subdivision	Monclova Township
Unified School District	Anthony Wayne Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$170,590 (-) Land $18,165 Building $152,425	$487,400 (-) Land $51,900 Building $435,500
2024	$8,460.00 (+50.96%)	$170,590 (+74.57%) Land $18,165 Building $152,425	$487,400 Land $51,900 Building $435,500
2023	$5,604.00 (+7.05%)	$97,720 (+7.72%) Land $13,440 Building $84,280
2022	$5,235.00 Homeowner's exemption	$90,720 Land $13,440 Building $77,280
2021			$279,200 Land $38,400 Building $240,800

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 5862 N River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	5 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

Wildfire risk around 5862 N River Rd 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 95% of the US · lower than 78% 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	CITY OF TOLEDO serves 360,000 people · EPA ID OH4801411
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Mar 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 73 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

May also be available: Amplex Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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