3095 Philothea Rd, Coldwater, OH 45828 Property Records

Mercer County property record for 3095 Philothea Rd, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,115 sqft · built 1990
Lot Size	5 acres (217,844 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jan 2017)
Tax Bill	$3,932 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-059700.0400`

Property Details

APN / Parcel Number

Primary APN	`03-059700.0400`
Alternative APN	`11-06-300-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area
Basement Area	1,372 sqft
Unfinished Basement	1,372 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	217,844 sqft (5 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3095 PHILOTHEA RD
City	COLDWATER
State	OH
Zip	45828-8712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S PT SW SW RTS: 002-07-06
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	1
Census Block	1038
Census Tract	967700

Owner

Source: Mercer County records, as of July 17, 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	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit DYNAMIC FEDERAL CREDIT UNION
Dec 22, 2017	Deed of Trust, Mortgage · Line of Credit DYNAMIC FCU
May 16, 2017	Deed of Trust, Mortgage · Line of Credit DYNAMIC FCU
Jun 22, 2021	Deed of Trust, Mortgage DYNAMIC FCU
Jan 13, 2017	Survivorship Deed, Transfer DYNAMIC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2017 · Amount on Record
Deed Sale	Jan 13, 2017 · Amount on Record
Deed Document Number	2017188
Prior Transfer Date	Jan 12, 2017
Prior Transfer Doc	0000000188
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Recording Date	Jul 1, 2026
Property Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712
Document Number	0000002988
Instrument Date	Jun 25, 2026
Instrument	20262988
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712

Mortgage

Document Number	0000002988,
Date	Jul 1, 2026
Instrument	20262988

Lender

Name	DYNAMIC FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700006049
Date	Dec 22, 2017
Instrument	201700006049

Lender

Name	DYNAMIC FCU
Type	Credit Union
Address	CELINA, OH 45822

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700002230
Date	May 16, 2017
Instrument	201700002230

Lender

Name	DYNAMIC FCU
Type	Credit Union
Address	CELINA, OH 45822

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100003885
Date	Jun 22, 2021
Instrument	202100003885

Lender

Name	DYNAMIC FCU
Type	Credit Union
Address	CELINA, OH 45822

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Jan 13, 2017
Property Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712
Document Number	201700000188
Instrument Date	Jan 12, 2017
Instrument	201700000188
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3095 PHILOTHEA RD, COLDWATER, OH 45828-8712

Mortgage

Document Number	201700000189
Date	Jan 13, 2017
Instrument	201700000189

Lender

Name	DYNAMIC FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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
Unified School District	Coldwater Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,932.00 (+1.87%)	$117,780 (-) Land $22,020 Building $95,760
2023	$3,860.00 (+20.4%)	$117,780 (+35.47%) Land $22,020 Building $95,760	$336,500 (+35.47%) Land $62,900 Building $273,600
2022	$3,206.00	$86,940 Land $15,470 Building $71,470
2020			$248,400 Land $44,200 Building $204,200

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

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 Policies	2 in force
Nearby Flood Claims	5 (2015–2019)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jun 2019 · other causes

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	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	2,000 / 2,000
Watch TV Fixed Wireless	400 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

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