98 Karyl Ct, Waterville, OH 43566 Property Records

Lucas County property record for 98 Karyl Ct, Waterville, OH 43566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,874 sqft · built 1974
Lot Size	0.181 acres (7,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Apr 2005)
Tax Bill	$3,335 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`96-08734`

Property Details

APN / Parcel Number

Primary APN	`96-08734`
Alternative APN	`46062016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,874 sqft Living Area
1st Floor Area	1,230 sqft
2nd Floor Area	644 sqft

Exterior

Year Built	Built 1974
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	7,900 sqft (0.181 acres)
Lot Width	68 ft Width
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	368 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	98 KARYL CT
City	WATERVILLE
State	OH
Zip	43566-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	39-R2
Legal Description	CRESTWOOD MANOR LOT 34
Legal Subdivision	CRESTWOOD MANOR
Legal Lot Number	34
Jurisdiction	LUCAS OH
Township / Civil Division	ROCHE DE BOEUF
Census Block Group	2
Census Block	2009
Census Tract	8906

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CLEARPATH LENDING
Apr 11, 2018	Deed of Trust, Mortgage · VA Mortgage NUDGE FUNDING LLC
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Jan 24, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Aug 16, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2005 · Amount on Record
Deed Sale	Apr 25, 2005 · Amount on Record
Prior Sale	Apr 25, 2005 · Amount on Record
Deed Document Number	0000028232
Last Transfer Date	Sep 21, 2016
Transfer Doc	0000038071
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030235
Date	Jul 6, 2022
Instrument	202207060030235

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029413
Date	Jun 10, 2021
Instrument	202106100029413

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014999
Date	Apr 11, 2018
Instrument	201804110014999

Lender

Name	NUDGE FUNDING LLC
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030545
Date	Jul 29, 2020
Instrument	202007290030545

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Document Number	0000043327
Instrument Date	Oct 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 KARYL CT WATERVILLE OH 435661041, WATERVILLE, OH 43566-1041

Mortgage

Document Number	0000043327
Date	Oct 23, 2019
Instrument	43327

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Document Number	0000004256
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Mar 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 KARYL CT WATERVILLE OH 435661041, WATERVILLE, OH 43566-1041

Mortgage

Document Number	0000004256
Date	Feb 5, 2019
Instrument	4256

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	98 KARYL CT, WATERVILLE, OH 43566-1041
Document Number	0000044037
Instrument Date	Aug 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	98 KARYL CT WATERVILLE OH 435661041, WATERVILLE, OH 43566-1041

Mortgage

Document Number	0000044037
Date	Oct 6, 2017
Instrument	44037

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,335.00 (+4.58%) Homeowner's exemption	$75,600 (-) Land $14,105 Building $61,495
2024	$3,189.00 (+10.16%) Homeowner's exemption	$75,600 (+21.83%) Land $14,105 Building $61,495	$216,000 (+21.83%) Land $40,300 Building $175,700
2023	$2,895.00 (-1.73%) Homeowner's exemption	$62,055 (-) Land $11,270 Building $50,785
2022	$2,946.00 Homeowner's exemption	$62,055 Land $11,270 Building $50,785
2021			$177,300 Land $32,200 Building $145,100

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Not rated no burnable land within 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	WATERVILLE CITY serves 6,500 people · EPA ID OH4801503
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed, MetaLINK Technologies.

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