Water samples (three from boreholes and nine from hand dug wells) were obtained from around Kabawa, a settlement in Lokoja metropolis, North central Nigeria. The physical parameters analyzed showed that temperature ranged from 250C-300C. pH ranged from 3.11-7.88 which indicated that the hand dug wells 7 and 12 respectively within the area are highly acidic. Heavy metals like Pb, Cr, and Cd in most of the samples analyzed were well above the permissible limits as specified by WHO for drinking water, while metals like Zn and Cu were below the permissible limits. Mineral elements such as K, Na, Mg and Ca were analyzed in the samples and the results indicated only Ca and Na levels were within the permissible limits set by WHO. Anthropological factor to determine the source of contamination was computed and result showed that in most areas the factors were indicated while in other areas the factors were not indicated hence the source of contamination and enrichment could either be from human activities or natural source at play within the subsurface. It is therefore strongly advised that the water be treated adequately before consumption.