Mercer County property record for 1016 Emerald Ave, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,650 sqft · built 1995 |
| Lot Size | 0.168 acres (7,335 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $292,000 (Apr 2017) |
| Tax Bill | $3,944 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-171400.0000 |
| Primary APN | 05-171400.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,650 sqft Living Area |
| Basement Area | 1,155 sqft |
| Unfinished Basement | 1,155 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 7,335 sqft (0.168 acres) |
| Lot Dimensions | 163 ft deep x 45 ft wide |
| Garage Type | Attached |
| Street Address | 1016 EMERALD AVE |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1068 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTVIEW SECOND ADD RTS: 000-00-00 LOT#: 1306 |
| Legal Subdivision | WESTVIEW SECOND ADD |
| Legal Lot Number | 1306 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 967700 |
1016 Emerald Ave is owned and occupied by two individuals who bought it in April 2017.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1016 EMERALD AVE, COLDWATER, OH 45828-1068 |
| 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.
| Date | Document |
|---|---|
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OSGOOD STATE BANK |
| Apr 26, 2017 | Survivorship Deed, Transfer · Conventional Mortgage OSGOOD STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2017 · Amount on File |
| Deed Sale | Apr 26, 2017 · Amount on File |
| Prior Sale | Mar 15, 1993 · Amount on File |
| Deed Document Number | 20171888 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 1016 EMERALD AVE, COLDWATER, OH 45828-1068 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000008003 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 202000008003 |
| Name | OSGOOD STATE BANK |
|---|---|
| Type | Bank |
| Address | OSGOOD, OH 45351 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Apr 26, 2017 |
| Property Address | 1016 EMERALD AVE, COLDWATER, OH 45828-1068 |
| Document Number | 201700001888 |
| Map Reference | CAB1 PG105&106 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 201700001888 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1016 EMERALD AVE, COLDWATER, OH 45828-1068 |
| Document Number | 201700001889 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 201700001889 |
| Name | OSGOOD STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 1016 Emerald Ave was $3,944.
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Butler Township |
| Municipality | Coldwater Village |
| Unified School District | Coldwater Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,944.00 | $115,650 (-) Land $13,480 Building $102,170 | |
| 2024 | $3,944.00 (+1.83%) | $115,650 (-) Land $13,480 Building $102,170 | |
| 2023 | $3,873.00 (+9.38%) | $115,650 (+22.93%) Land $13,480 Building $102,170 | $330,400 Land $38,500 Building $291,900 |
| 2022 | $3,541.00 | $94,080 Land $10,640 Building $83,440 | |
| 2020 | $268,800 Land $30,400 Building $238,400 |
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.
FEMA maps place 1016 Emerald Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
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 risk around 1016 Emerald Ave 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber · Fixed Wireless in parts of the area | 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 |
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