9650 S River Rd, Waterville, OH 43566 Property Records

Lucas County property record for 9650 S River Rd, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,084 sqft · built 1917
Lot Size	1.92 acres (83,722 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Nov 2019)
Tax Bill	$7,500 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Feb 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`91-21165`

Property Details

APN / Parcel Number

Primary APN	`91-21165`
Alternative APN	`32022049`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,084 sqft Living Area
1st Floor Area	1,484 sqft
2nd Floor Area	1,600 sqft
Upper Floors Area	1,280 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1917
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	83,722 sqft (1.92 acres)
Lot Width	225 ft Width
Garage Type	Attached
Garage Area	1,176 sqft
Parking Spaces	4 Parking Spaces
Pool Area	512 sqft
Porch	Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	9650 S RIVER RD
City	WATERVILLE
State	OH
Zip	43566-9526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	22-A
Legal Description	9 6 24 LOT 1 SE 225 FT FRT NE 1842.4 FT FRT SLY 387.8
Legal Subdivision	9 06 24
Legal Lot Number	1
Jurisdiction	LUCAS OH
Township / Civil Division	WATERVILLE
Census Block Group	3
Census Block	3015
Census Tract	8906

Owner

9650 S River Rd is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9650 S RIVER RD, WATERVILLE, OH 43566-9526
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
Nov 15, 2019	Survivorship Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 1, 2017	Grant Deed, Transfer · Line of Credit STATE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2019 · Amount on File
Deed Sale	Nov 15, 2019 · Amount on File
Prior Sale	Feb 1, 2017 · Amount on File
Deed Document Number	19108763
Record Updated	Jun 8, 2026

November 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Nov 15, 2019
Property Address	9650 S RIVER RD, WATERVILLE, OH 43566-9526
Document Number	0000046920
Instrument Date	Oct 31, 2019
Instrument	201911150046920
Transaction Type	Transfer
Record Updated	Mar 18, 2022

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	9650 S RIVER RD, WATERVILLE, OH 43566-9526

Mortgage

Document Number	0000046921
Date	Nov 15, 2019
Instrument	201911150046921

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LUCAS OH
Recording Date	Feb 1, 2017
Property Address	9650 S RIVER RD, WATERVILLE, OH 43566-9526
Document Number	0000004327
Instrument Date	Jan 30, 2017
Instrument	4327
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	PORT LAWRENCE TITLE, PORT LAWRENCE TITLE & TR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
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	9650 S RIVER RD WATERVILLE OH 435669526, WATERVILLE, OH 43566-9526

Mortgage

Document Number	4328
Date	Feb 1, 2017
Instrument	4328

Lender

Name	STATE BK&TR
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9650 S River Rd was $7,500, up 13.1% from the year before.

Source: Lucas County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,500.00 (+13.11%)	$125,895 (-) Land $17,290 Building $108,605
2024	$6,631.00 (+22.8%)	$125,895 (+43.94%) Land $17,290 Building $108,605	$359,700 Land $49,400 Building $310,300
2023	$5,400.00 (-0.72%)	$87,465 (-) Land $10,990 Building $76,475
2022	$5,439.00 Homeowner's exemption	$87,465 Land $10,990 Building $76,475
2021			$249,900 Land $31,400 Building $218,500

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 9650 S 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

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 9650 S 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 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
M2X Communications Fiber	750 / 750

May also be available: MetaLINK Technologies, Verizon.

Nearby Properties on S River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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