303 E Main St, West Lafayette, OH 43845 Property Records

Coshocton County property record for 303 E Main St, West Lafayette, OH 43845

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,553 sqft · built 1900
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Oct 2025)
Tax Bill	$2,522 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2005 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`002273-2`

Property Details

APN / Parcel Number

Primary APN	`002273-2`
Alternative APN	`0200000005100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,553 sqft Living Area
Gross Area	2,450 sqft
1st Floor Area	1,402 sqft
Upper Floors Area	1,048 sqft
Attic	Attic
Attic Area	258 sqft
Basement Area	1,048 sqft
Unfinished Basement	1,048 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	High Traffic Area
Garage Type	Detached
Garage Area	1,232 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	126 sqft
Deck Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002273-2
Street Address	303 E MAIN ST
City	WEST LAFAYETTE
State	OH
Zip	43845-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN-LOT 125 100 X 150 10 DOC 1012
Legal Subdivision	HENRY SHAWS ADDITION
Legal Lot Number	125
Jurisdiction	COSHOCTON OH
Township / Civil Division	LAFAYETTE
Census Block Group	3
Census Block	3001
Census Tract	961800

Owner

303 E Main St is owned and occupied by two individuals who bought it in October 2025.

Source: Coshocton County records, as of April 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Deed of Trust, Mortgage · Line of Credit THE HOME LOAN SAVINGS BANK
Oct 21, 2005	Deed of Trust, Mortgage · ARM NEW CENTURY MORTGAGE CORP
Oct 20, 2006	Deed of Trust, Mortgage TUSCVALLY FINANCIAL INC
Oct 24, 2005	Deed of Trust, Mortgage · Line of Credit TUSCVALLEY FINANCIAL INC
May 31, 2005	Deed of Trust, Mortgage · Line of Credit TUSCVALLEY FINANCIAL INC
Oct 27, 2025	Warranty Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE CORP
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Apr 1, 2010	Warranty Deed, Transfer · ARM THE HOME LOAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Prior Sale	Apr 1, 2010 · Amount on File
Deed Document Number	20254451
Deed Book / Page	808 / 4922
Prior Transfer Date	Mar 28, 2001
Prior Transfer Doc	0000011738
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217

Mortgage

Document Number	00788/5634
Date	Dec 30, 2021
Book Page	788/5634
Instrument	202100006403

Lender

Name	THE HOME LOAN SAVINGS BANK
Type	Bank
Address	COSHOCTON, OH 43812

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	THE TITLE FIRM, THE TITLE FIRM INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000393/945
Date	Oct 21, 2005
Book Page	393/945
Instrument	200500005711

Lender

Name	NEW CENTURY MORTGAGE CORP
Type	Subprime Lender
Address	IRVINE, CA 92612

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2035
Prepayment Penalty	36 Months

Interest

Rate Type	Adjustable Rate
Rate	7.65%
Type Change Date	Nov 1, 2008
Change Frequency	6 Months
Min Rate At Change	7.65%
Max Rate At Change	9.15%
Index	6-Month LIBOR
Max Rate	14.6%

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000426/722
Date	Oct 20, 2006
Book Page	426/722
Instrument	200600005353

Lender

Name	TUSCVALLY FINANCIAL INC

Agreement

Amount	Amount on Record

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000394/207
Date	Oct 24, 2005
Book Page	394/207
Instrument	200500005762

Lender

Name	TUSCVALLEY FINANCIAL INC
Address	NEW PHILADELPHIA, OH 44663

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000379/925
Date	May 31, 2005
Book Page	379/925
Instrument	200500002742

Lender

Name	TUSCVALLEY FINANCIAL INC
Address	14663

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Oct 27, 2025
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Document Number	00808/4922
Book / Page	808 / 4922
Map Reference	MB 1 PG 176
Instrument Date	Sep 26, 2025
Instrument	202500004451
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ELITA LAND TITLE, ELITE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Joint Tenants with Right of Survivorship
Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217

Mortgage

Document Number	202500004452
Date	Oct 27, 2025
Instrument	202500004452

Lender

Name	LIBERTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Jul 29, 2022
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Document Number	00792/1342
Book / Page	792 / 1342
Map Reference	MB 1 PG 176
Instrument Date	Jul 27, 2022
Instrument	202200003246
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CONNOLLY HILLYER AND WELCH TITLE, CONNOLLY HILLYER & WELCH TTL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Joint Tenants with Right of Survivorship
Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217

Mortgage

Document Number	202200003247
Date	Jul 29, 2022
Instrument	202200003247

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

April 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Apr 1, 2010
Property Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217
Document Number	000514/483
Book / Page	514 / 483
Map Reference	MB1 PG176
Instrument Date	Mar 25, 2010
Instrument	201000001012
Transaction Type	Transfer
Record Updated	May 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E MAIN ST, WEST LAFAYETTE, OH 43845-1217

Mortgage

Document Number	000514/486
Date	Apr 10, 2010
Book Page	514/486
Instrument	201000001013

Lender

Name	THE HOME LOAN SAVINGS BANK
Address	COSHOCTON, OH 43812

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2013
Change Frequency	3 Years
Min Rate At Change	5.25%
Max Rate	11.2%

Tax Assessment & Valuation

The 2025 property tax bill for 303 E Main St was $2,522 with a homeowner's exemption, up 0.3% from the year before.

Source: Coshocton County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Coshocton County
County Subdivision	Lafayette Township
Municipality	West Lafayette Village
Unified School District	Ridgewood Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,522.00 (+0.28%)	$61,160 (-) Land $9,560 Building $51,600	$174,750 (-) Land $27,310 Building $147,440
2024	$2,515.00 (+33.56%) Homeowner's exemption	$61,160 (+33.54%) Land $9,560 Building $51,600	$174,750 Land $27,310 Building $147,440
2023	$1,883.00 (-2.44%) Homeowner's exemption	$45,798 (-) Land $6,395 Building $39,403
2022	$1,930.00 Homeowner's exemption	$45,798 Land $6,395 Building $39,403
2021			$130,850 Land $18,270 Building $112,580

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.

Flood

FEMA maps place 303 E Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 2, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 303 E Main 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	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: altafiber Network Solutions, Smart Way Communications.

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