681 Co Rd 47, Waterloo, OH 45688 Property Records

Lawrence County property record for 681 Co Rd 47, Waterloo, OH 45688

Property Summary

Property Type	Rural Home
Details	built 1950
Lot Size	33.8 acres (1,474,070 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Mar 2020)
Tax Bill	$287 (2023)
Deeds & Mortgages	Mar 2020 Sale & Mortgage May 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-016-0100.000`

Property Details

APN / Parcel Number

Primary APN	`20-016-0100.000`

Exterior

Year Built	Built 1950
Lot Area	1,474,070 sqft (33.8 acres)
Porch	Porch
Porch Area	96 sqft

Location & Zoning

Street Address	681 COUNTY ROAD 47
City	WATERLOO
State	OH
Zip	45688-9391
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	17-5-20 SW NW LESS 9.48 BAL 33.84AC
Legal Subdivision	SYMMES VALLEY
Jurisdiction	LAWRENCE OH
Township / Civil Division	SYMMES
Census Block Group	1
Census Block	1030
Census Tract	50600

Owner

681 Co Rd 47, a rural home, is owned and occupied by an individual who bought it in March 2020.

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

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	681 COUNTY ROAD 47, WATERLOO, OH 45688-9391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2020	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
May 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 15, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Jul 27, 2016 · Amount on File
Deed Document Number	165249
Deed Book / Page	1025 / 5
Record Updated	Jun 7, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Mar 6, 2020
Property Address	681 COUNTY ROAD 47, WATERLOO, OH 45688-9391
Document Number	0000001728
Book / Page	1025 / 5
Instrument Date	Feb 25, 2020
Instrument	2020-00001728
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	BESTITLE

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
Address	681 COUNTY ROAD 47, WATERLOO, OH 45688-9391

Mortgage

Document Number	0000001729
Date	Mar 6, 2020
Instrument	2020-00001729

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2025

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE OH
Recording Date	May 13, 2019
Property Address	681 COUNTY ROAD 47, WATERLOO, OH 45688-9391
Document Number	0000002707
Book / Page	000988 / 000789
Instrument Date	Mar 11, 2019
Instrument	2707
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12414 SE 60TH TER BELLEVIEW FL 344205275, BELLEVIEW, FL 34420-5275

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Nov 15, 2018
Property Address	681 COUNTY ROAD 47, WATERLOO, OH 45688-9391
Document Number	0000007234
Book / Page	000967 / 000766
Instrument Date	Nov 13, 2018
Instrument	7234
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$192.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	TOWNSHIP RD 242 OH, OH

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	$287.00	$20,070 (-) Land $16,740 Building $3,330
2022	$287.00	$20,070 Land $16,740 Building $3,330	$57,340 Land $47,840 Building $9,500

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 681 Co Rd 47 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 681 Co Rd 47 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 96% of Ohio
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
altafiber Network Solutions Fixed Wireless	50 / 10

Cell Coverage

5G and 4G LTE (outdoors only)

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