Mercer County property record for 3540 Philothea Rd, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,875 sqft · built 2015 |
| Lot Size | 2.48 acres (108,029 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,055 (2025) |
| Deeds & Mortgages | Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-064600.0300 |
| Primary APN | 03-064600.0300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,875 sqft Living Area |
| Basement Area | 2,105 sqft |
| Unfinished Basement | 2,105 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 108,029 sqft (2.48 acres) |
| Garage Type | Attached |
| Street Address | 3540 PHILOTHEA RD |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-8713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NW NW RTS: 002-07-08 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 968000 |
Source: Mercer County records, as of July 7, 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 | 3540 PHILOTHEA RD, COLDWATER, OH 45828-8713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 12, 2015 |
| Transfer Doc | 0000000686 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 3540 PHILOTHEA RD, COLDWATER, OH 45828-8713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000002051 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 202000002051 |
| Name | MERCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 24, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $6,055.00 | $181,720 (-) Land $15,540 Building $166,180 | |
| 2024 | $6,055.00 (+1.92%) | $181,720 (-) Land $15,540 Building $166,180 | |
| 2023 | $5,941.00 (+15.79%) | $181,720 (+30.22%) Land $15,540 Building $166,180 | $519,200 (+30.22%) Land $44,400 Building $474,800 |
| 2022 | $5,131.00 | $139,550 Land $9,980 Building $129,570 | |
| 2020 | $398,700 Land $28,500 Building $370,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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