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Single Family ResidenceResidential
$144,466$105 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

12509 COUNTY ROAD 4

WATERLOO, OH 45688
3
Beds
2
Baths
1,380 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.97 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$144K
$110K low$179K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,099 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$39,790 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,140
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$35,650
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$39,790
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$113,690

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.31 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyLawrence
Lot (acres)The size of the land the home sits on, from county records.0.97
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 96 ft²Patio · 554 ft²Porch · 100 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Symmes Valley Elementary SchoolB
Elementary · Grades PK–8 · 5.8 mi
H
Symmes Valley High SchoolD+
High · Grades 9–12 · 5.8 mi

District: Symmes Valley Local School District

Neighborhood · ZIP 45688These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.144
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.152
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.28%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.432
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.11 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$44,717
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,761
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12509 County Road 4 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a bigger lot than 74% of homes in Lawrence County
  • Newer than 68% of homes in Lawrence County

What homes are worth in Waterloo 45688

Each bar is how many homes fall in that price range. The marker is this home.

This home
$20K$294K

This home is worth more than 64% of homes in Waterloo 45688.

How it measures up in Waterloo 45688

The dot is this home. The mark in the middle is the typical home in Waterloo 45688.

Estimated value$144,466
CheaperTypical $100,762Pricier

Pricier than 64% of homes nearby

Price per ft²$105
CheaperTypical $95Pricier

Pricier than 57% of homes nearby

Living area1,380 ft²
SmallerTypical 1,244 ft²Bigger

Bigger than 59% of homes nearby

Lot size0.97 ac
SmallerTypical 1.67 acBigger

Bigger than 30% of homes nearby

Year built1986
OlderTypical 1976Newer

Newer than 61% of homes nearby

How 12509 County Road 4 ranks against every home in each area.
MeasureThis homeWaterloo 45688Lawrence County
Estimated valuepricier than$144,46664% of homes55% of homes
Price per ft²pricier than$10557% of homes54% of homes
Living areabigger than1,380 ft²59% of homes51% of homes
Lot sizebigger than0.97 ac30% of homes74% of homes
Year builtnewer than198661% of homes68% of homes

About 12509 County Road 4

How much is 12509 County Road 4, Waterloo, OH worth?

The TopHap Estimate for 12509 County Road 4, Waterloo, OH is $144,466 as of Oct 21, 2026. The likely range is $110,235 to $178,697. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 12509 County Road 4, Waterloo, OH?

12509 County Road 4, Waterloo, OH has 3 bedrooms, 2 bathrooms, 1,380 square feet of living space and a 0.97-acre lot.

When was 12509 County Road 4, Waterloo, OH built?

12509 County Road 4, Waterloo, OH was built in 1986, making it 40 years old. It is a ranch home. The building has 1 story.

What schools serve 12509 County Road 4, Waterloo, OH?

12509 County Road 4, Waterloo, OH is assigned to Symmes Valley Elementary School (elementary), rated B; Symmes Valley High School (high), rated D+. All sit in Symmes Valley Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12509 County Road 4, Waterloo, OH compare to other homes in Waterloo 45688?

Among the 249 homes in Waterloo 45688, it is worth more than 64% of them ($144,466 against a typical $100,762), its price per square foot is higher than 57% of them ($105 against a typical $95), it is bigger than 59% of them (1,380 ft² against a typical 1,244 ft²), its lot is bigger than 30% of them (0.97 ac against a typical 1.67 ac) and it is newer than 61% of them (1986 against a typical 1976). Measured against all of Lawrence County, it is worth more than 55% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12509 County Road 4, Waterloo, OH?

The 2024 property tax bill for 12509 County Road 4, Waterloo, OH was $1,099. The county assessed it at $39,790.

More homes on County Road 4

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Assigned schools

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