605 S Lock St, Waverly, OH 45690 Property Records

Pike County property record for 605 S Lock St, Waverly, OH 45690

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,232 sqft · built 1995
Lot Size	0.244 acres (10,642 sqft)
Owner	Individual Name on File
Tax Bill	$1,373 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-115000.0000`

Property Details

APN / Parcel Number

Primary APN	`18-115000.0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Flooring	Carpet
Interior Walls	Unfinished

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Material	Shingle
Lot Area	10,642 sqft (0.244 acres)
Lot Dimensions	190 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	605 S LOCK ST
City	WAVERLY
State	OH
Zip	45690-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 WH & 1/2 ALLEY 323/569
Legal Subdivision	JAMES EMMITTS ADDITION
Legal Lot Number	24
Jurisdiction	PIKE OH
Township / Civil Division	PEE PEE
Census Block Group	1
Census Block	1014
Census Tract	952400

Owner

605 S Lock St is owned and occupied by an individual.

Source: Pike County records, as of April 10, 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	Individual Name on File
Mailing Address	605 S LOCK ST, WAVERLY, OH 45690-1620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 26, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 16, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE OH
Recording Date	May 14, 2026
Property Address	605 S LOCK ST, WAVERLY, OH 45690-1620
Document Number	0000001406
Book / Page	417 / 1560
Instrument Date	May 14, 2026
Instrument	20261406
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 S LOCK ST, WAVERLY, OH 45690-1620

Mortgage

Document Number	0000001406,
Date	May 14, 2026
Book Page	417/1560
Instrument	20261406

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	317 Months
Due	Oct 1, 2052

Interest

Rate	6.3%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE OH
Property Address	605 S LOCK ST, WAVERLY, OH 45690-1620
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00383/1153
Date	Sep 26, 2022
Book Page	383/1153
Instrument	202200002854

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

February 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	PIKE OH
Recording Date	Feb 16, 2022
Property Address	605 S LOCK ST, WAVERLY, OH 45690-1620
Document Number	00377/1187
Book / Page	377 / 1187
Instrument Date	Dec 23, 2021
Instrument	202200000461
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

Tax Assessment & Valuation

The 2025 property tax bill for 605 S Lock St was $1,373 with exemptions applied, up 3% from the year before.

Source: Pike County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Pike County
County Subdivision	Pee Pee Township
Municipality	Waverly Village
Unified School District	Waverly City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,373.00 (+3%)	$47,480 (-) Land $9,170 Building $38,310
2024	$1,333.00 (-1.7%) Homeowner's exemption Senior Citizen's exemption	$47,480 (-) Land $9,170 Building $38,310
2023	$1,356.00 (+2.57%) Homeowner's exemption Senior Citizen's exemption	$47,480 (+15.35%) Land $9,170 Building $38,310	$135,660 Land $26,210 Building $109,450
2022	$1,322.00 Homeowner's exemption Senior Citizen's exemption	$41,160 Land $7,090 Building $34,070
2020			$117,610 Land $20,260 Building $97,350

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

Flood

FEMA maps place 605 S Lock St 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 November 4, 2010

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 605 S Lock St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	WAVERLY CITY PWS serves 4,433 people · EPA ID OH6600912
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2021–2023) 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
altafiber Network Solutions Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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