1015 N Elm St, Coldwater, OH 45828 Property Records

Mercer County property record for 1015 N Elm St, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,113 sqft · built 2021
Lot Size	0.446 acres (19,460 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,909 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-012551.0139`

Property Details

APN / Parcel Number

Primary APN	`05-012551.0139`
Alternative APN	`08-28-251-063`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,113 sqft Living Area
Basement Area	3,113 sqft
Unfinished Basement	3,113 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	19,460 sqft (0.446 acres)
Lot Dimensions	139 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	1015 N ELM ST
City	COLDWATER
State	OH
Zip	45828-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WENNING ACRES SIXTH ADDITION LOT#: 1720
Legal Subdivision	WENNING ACRES SIXTH ADDITION
Legal Lot Number	1720
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	3
Census Block	3001
Census Tract	967700

Owner

Source: Mercer County records, as of July 7, 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	1015 N ELM ST, COLDWATER, OH 45828-1131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE FEDERAL
Jan 19, 2021	Survivorship Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	1015 N ELM ST, COLDWATER, OH 45828-1131
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001199
Date	Feb 23, 2021
Instrument	202100001199

Lender

Name	GREENVILLE FEDERAL
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Jan 19, 2021
Property Address	1015 N ELM ST, COLDWATER, OH 45828-1131
Document Number	202100000368
Map Reference	DOC 20160004688
Instrument Date	Jan 8, 2020
Instrument	202100000368
Transaction Type	Transfer
Record Updated	Jul 4, 2023

Transaction

Amount	Amount Recorded
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	1015 N ELM ST, COLDWATER, OH 45828-1131

Tax Assessment & Valuation

Source: Mercer County assessment roll, as of February 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Mercer County
County Subdivision	Butler Township
Municipality	Coldwater Village
Unified School District	Coldwater Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,909.00	$267,610 (-) Land $26,110 Building $241,500
2024	$8,909.00 (+1.92%)	$267,610 (-) Land $26,110 Building $241,500
2023	$8,741.00 (+26.3%)	$267,610 (+42.04%) Land $26,110 Building $241,500	$764,600 (+42.04%) Land $74,600 Building $690,000
2022	$6,921.00	$188,410 Land $18,830 Building $169,580
2020			$538,300 Land $53,800 Building $484,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 16, 2012 · 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	2 (1980–1989)
Most Recent Claim	May 1989 · Severe Storms & Flooding

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	COLDWATER VILLAGE serves 4,774 people · EPA ID OH5400112
Water Source	Groundwater
Last State Inspection	Jun 2024
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	1 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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber · Fixed Wireless	2,000 / 2,000
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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