Coshocton County property record for 209 E 7th St, West Lafayette, OH 43845
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1977 |
| Lot Size | 0.176 acres (7,650 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,000 (Aug 2009) |
| Tax Bill | $1,785 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jun 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002347-0 |
| Primary APN | 002347-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Basement Area | 1,296 sqft |
| Unfinished Basement | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 7,650 sqft (0.176 acres) |
| Lot Dimensions | 150 ft deep x 51 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 002347-0 |
|---|---|
| Street Address | 209 E 7TH ST |
| City | WEST LAFAYETTE |
| State | OH |
| Zip | 43845-1322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN-LOT 312 51.3 X 150 09 DOC 3289 |
| Legal Subdivision | HOME ADDITION |
| Legal Lot Number | 312 |
| Jurisdiction | COSHOCTON OH |
| Township / Civil Division | LAFAYETTE |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 961800 |
209 E 7th St is owned and occupied by two individuals who bought it in August 2009.
Source: Coshocton County records, as of April 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 204 W UNION AVE, WEST LAFAYETTE, OH 43845-1151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jul 10, 2018 | Deed of Trust, Mortgage THE HOME LOAN SAVINGS BANK |
| Jun 9, 2023 | Deed of Trust, Mortgage · Line of Credit THE HOME LOAN SAVINGS BANK |
| May 19, 2014 | Deed of Trust, Mortgage · ARM OHIO HERITAGE BANK |
| Mar 28, 2006 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Aug 31, 2009 | Warranty Deed, Transfer · ARM OHIO HERITAGE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2009 · Amount on File |
| Deed Sale | Aug 31, 2009 · Amount on File |
| Prior Sale | Mar 22, 2004 |
| Deed Document Number | 20093289 |
| Deed Book / Page | 501 / 89 |
| Prior Transfer Date | Aug 26, 2009 |
| Prior Transfer Doc | 000500/833 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Property Address | 209 E 7TH ST, WEST LAFAYETTE, OH 43845-1322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000765/610 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 765/610 |
| Instrument | 201800002715 |
| Name | THE HOME LOAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | COSHOCTON, OH 43812 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 15, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Property Address | 209 E 7TH ST, WEST LAFAYETTE, OH 43845-1322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 409 S WALL ST, WEST LAFAYETTE, OH 43845-1162 |
| Document Number | 00796/2523 |
|---|---|
| Date | Jun 9, 2023 |
| Book Page | 796/2523 |
| Instrument | 202300002178 |
| Name | THE HOME LOAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | COSHOCTON, OH 43812 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Property Address | 209 E 7TH ST, WEST LAFAYETTE, OH 43845-1322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000640/528 |
|---|---|
| Date | May 19, 2014 |
| Book Page | 640/528 |
| Instrument | 201400001823 |
| Name | OHIO HERITAGE BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | COSHOCTON, OH 43812 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 18, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | May 18, 2017 |
| Change Frequency | 3 Years |
| Min Rate At Change | 3% |
| Index | 3-Year CMT |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Property Address | 209 E 7TH ST, WEST LAFAYETTE, OH 43845-1322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000408/122 |
|---|---|
| Date | Mar 28, 2006 |
| Book Page | 408/122 |
| Instrument | 200600001554 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Recording Date | Aug 31, 2009 |
| Property Address | 209 E 7TH ST, WEST LAFAYETTE, OH 43845-1322 |
| Document Number | 000501/089 |
| Book / Page | 501 / 089 |
| Map Reference | MB2 PG17 |
| Instrument Date | Aug 29, 2009 |
| Instrument | 200900003289 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $352.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 204 W UNION AVE, WEST LAFAYETTE, OH 43845-1151 |
| Document Number | 000501/091 |
|---|---|
| Date | Aug 31, 2009 |
| Book Page | 501/091 |
| Instrument | 200900003290 |
| Name | OHIO HERITAGE BANK |
|---|---|
| Address | COSHOCTON, OH 43812 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Sep 5, 2014 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.87% |
| Index | 5-Year TN |
| Max Rate | 11.8% |
The 2025 property tax bill for 209 E 7th St was $1,785 with a homeowner's exemption, up 0.3% from the year before.
Source: Coshocton County assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Coshocton County |
| County Subdivision | Lafayette Township |
| Municipality | West Lafayette Village |
| Unified School District | Ridgewood Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,785.00 (+0.28%) | $43,300 (-) Land $7,260 Building $36,040 | $123,710 (-) Land $20,750 Building $102,960 |
| 2024 | $1,780.00 (+29.27%) Homeowner's exemption | $43,300 (+29.31%) Land $7,260 Building $36,040 | $123,710 Land $20,750 Building $102,960 |
| 2023 | $1,377.00 (-2.48%) Homeowner's exemption | $33,485 (-) Land $4,655 Building $28,830 | |
| 2022 | $1,412.00 Homeowner's exemption | $33,485 Land $4,655 Building $28,830 | |
| 2021 | $95,670 Land $13,300 Building $82,370 |
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 209 E 7th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective March 2, 2010 · 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 |
| Nearby Flood Claims | 2 (1979–1998) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 1998 · Severe Storms, Flooding, And Tornadoes |
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 209 E 7th St is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | EDGEWOOD TERRACE private · serves 87 people · EPA ID OH1600212 |
|---|---|
| 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 | 4 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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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