Mercer County property record for 3896 Philothea Rd, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,008 sqft · built 1960 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $361,666 (Aug 2022) |
| Tax Bill | $3,196 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Mar 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-064200.0000 |
| Primary APN | 03-064200.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,008 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Attached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 3896 PHILOTHEA RD |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-9808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NW NE NE RTS: 002-07-08 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 968000 |
3896 Philothea Rd is owned and occupied by two individuals who bought it in August 2022.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9808 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Nov 3, 2020 | Deed of Trust, Mortgage · Line of Credit MERCER SAVINGS BANK |
| Mar 18, 2022 | Deed of Trust, Mortgage · Line of Credit MERCER SAVINGS BANK |
| Aug 26, 2022 | Survivorship Deed, Transfer · Conventional Mortgage THE ST HENRY BANK |
| Jul 22, 2013 | Survivorship Deed, Transfer · Conventional Mortgage MERCER SAVINGS BANK |
| Sep 7, 2012 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 2, 2009 | Warranty Deed, Transfer FIRST CHOICE CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2022 · Amount on File |
| Deed Sale | Aug 26, 2022 · Amount on File |
| Prior Sale | Jul 22, 2013 · Amount on File |
| Deed Document Number | 20224179 |
| Prior Transfer Date | Dec 19, 2008 |
| Prior Transfer Doc | 0000000864 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202000007060 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 202000007060 |
| Name | MERCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | FORT RECOVERY, OH 45846 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Oct 30, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 202200001387 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 202200001387 |
| Name | MERCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Apr 1, 2023 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Aug 26, 2022 |
| Property Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 202200004179 |
| Instrument Date | Aug 24, 2022 |
| Instrument | 202200004179 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 202200004180 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 202200004180 |
| Name | THE ST HENRY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jul 22, 2013 |
| Property Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 201300004395 |
| Instrument Date | Jul 19, 2013 |
| Instrument | 201300004395 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1155 FOX RD, FORT RECOVERY, OH 45846-9329 |
| Document Number | 201300004396 |
|---|---|
| Date | Jul 22, 2013 |
| Instrument | 201300004396 |
| Name | MERCER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Sep 7, 2012 |
| Property Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 201200005244 |
| Instrument Date | Sep 7, 2012 |
| Instrument | 201200005244 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3859 PHILOTHEA RD, COLDWATER, OH 45828-9806 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Feb 2, 2009 |
| Property Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 200900000864 |
| Instrument Date | Dec 19, 2008 |
| Instrument | 200900000864 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3896 PHILOTHEA RD, COLDWATER, OH 45828-9807 |
| Document Number | 200900000865 |
|---|---|
| Date | Feb 2, 2009 |
| Instrument | 200900000865 |
| Name | FIRST CHOICE CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2039 |
The 2025 property tax bill for 3896 Philothea Rd was $3,196.
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 | $3,196.00 | $94,220 (-) Land $11,270 Building $82,950 | |
| 2024 | $3,196.00 (+1.75%) | $94,220 (-) Land $11,270 Building $82,950 | |
| 2023 | $3,141.00 (+21.27%) | $94,220 (+40.35%) Land $11,270 Building $82,950 | $269,200 Land $32,200 Building $237,000 |
| 2022 | $2,590.00 | $67,130 Land $6,230 Building $60,900 | |
| 2020 | $191,800 Land $17,800 Building $174,000 |
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.
FEMA maps place 3896 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 3896 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber · Fixed Wireless | 2,000 / 2,000 |
| NKTELCO - Goldstar Fiber | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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