Mercer County property record for 320 E North St, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,531 sqft · built 1920 |
| Lot Size | 0.145 acres (6,336 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $117,500 (Aug 2018) |
| Tax Bill | $1,689 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-064400.0000 |
| Primary APN | 05-064400.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,531 sqft Living Area |
| Basement Area | 754 sqft |
| Unfinished Basement | 754 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 6,336 sqft (0.145 acres) |
| Lot Dimensions | 132 ft deep x 48 ft wide |
| Street Address | 320 E NORTH ST |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROMERS ADD LOT#: 267 |
| Legal Subdivision | ROMERS ADD |
| Legal Lot Number | 267 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 967700 |
Source: Mercer County records · APN 05-064400.0000
Assessment roll updated February 27, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 320 E NORTH ST, COLDWATER, OH 45828-1342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 14, 2018 | Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 14, 2018 · Amount on Record |
| Deed Sale | Aug 14, 2018 · Amount on Record |
| Prior Sale | Sep 11, 2012 · Amount on Record |
| Deed Document Number | 20183916 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jul 01, 2026 |
| Property Address | 320 E NORTH ST, COLDWATER, OH 45828-1342 |
| Document Number | 0000002987 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 20262987 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 320 E NORTH ST, COLDWATER, OH 45828-1342 |
| Document Number | 0000002987, |
|---|---|
| Date | Jul 01, 2026 |
| Instrument | 20262987 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 320 E NORTH ST, COLDWATER, OH 45828-1342 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100006982 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 202100006982 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Aug 14, 2018 |
| Property Address | 320 E NORTH ST, COLDWATER, OH 45828-1342 |
| Document Number | 201800003916 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 201800003916 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | TITLE SOURCES INC, TITLE SOURCE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 320 E NORTH ST, COLDWATER, OH 45828-1342 |
| Document Number | 201800003917 |
|---|---|
| Date | Aug 14, 2018 |
| Instrument | 201800003917 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2048 |
Source: Mercer County records · Assessment roll updated February 27, 2026 · Last verified July 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,689.00 | $49,530 (-) Land $5,530 Building $44,000 | |
| 2024 | $1,689.00 (+1.87%) | $49,530 (-) Land $5,530 Building $44,000 | |
| 2023 | $1,658.00 (+17.09%) | $49,530 (+31.62%) Land $5,530 Building $44,000 | $141,500 (+31.63%) Land $15,800 Building $125,700 |
| 2022 | $1,416.00 | $37,630 Land $4,170 Building $33,460 | |
| 2020 | $107,500 Land $11,900 Building $95,600 |
Source: FEMA National Flood Hazard Layer as of May 16, 2012 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2011 · river or lake flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Mutual Telephone Company Fiber · Fixed Wireless in parts of the area | 2,000 / 2,000 |
| New Knoxville Telephone Company/GoldStar Communications Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 438 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COLDWATER VILLAGE serves 4,774 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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