Mercer County property record for 3520 Philothea Rd, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1987 |
| Lot Size | 1.2 acres (52,620 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,779 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-064600.0200 |
| Primary APN | 03-064600.0200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Basement Area | 1,296 sqft |
| Unfinished Basement | 1,296 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 52,620 sqft (1.2 acres) |
| Garage Type | Attached |
| Street Address | 3520 PHILOTHEA RD |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-8713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW COR NW RTS: 002-07-08 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 968000 |
3520 Philothea Rd is owned by two individuals who acquired it in August 1987.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3550 PHILOTHEA RD, COLDWATER, OH 45828-8713 |
| 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 |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage MERCER SAVINGS BANK |
| Jun 18, 2018 | Deed of Trust, Mortgage · Line of Credit MERCER SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 1987 |
| Deed Sale | Aug 7, 1987 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 3520 PHILOTHEA RD, COLDWATER, OH 45828-8713 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100001093 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 202100001093 |
| Name | MERCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 3520 PHILOTHEA RD, COLDWATER, OH 45828-8713 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201800002867 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 201800002867 |
| Name | MERCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2033 |
The 2025 property tax bill for 3520 Philothea Rd was $2,779.
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Butler Township |
| Unified School District | Coldwater Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,779.00 | $83,410 (-) Land $11,870 Building $71,540 | |
| 2024 | $2,779.00 (+1.91%) | $83,410 (-) Land $11,870 Building $71,540 | |
| 2023 | $2,727.00 (+22.95%) | $83,410 (+38.3%) Land $11,870 Building $71,540 | $238,300 Land $33,900 Building $204,400 |
| 2022 | $2,218.00 | $60,310 Land $6,760 Building $53,550 | |
| 2020 | $172,300 Land $19,300 Building $153,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 Philothea Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012
| 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 risk around 3520 Philothea Rd 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 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.
Source: FCC Broadband Data Collection, based on 10 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 |
5G (outdoors only) and 4G LTE
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