402 E Main St, Coldwater, OH 45828 Property Records

Mercer County property record for 402 E Main St, Coldwater, OH 45828 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,007 sqft · built 1910
Lot Size	0.287 acres (12,540 sqft)
Owner	Individual Name on File
Last Sale	$164,143 (Dec 2019)
Tax Bill	$2,106 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-007100.0000`

Property Details

APN / Parcel Number

Primary APN	`05-007100.0000`
Alternative APN	`08-27-360-008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,007 sqft Living Area
Basement Area	413 sqft
Unfinished Basement	413 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	12,540 sqft (0.287 acres)
Lot Dimensions	132 ft deep x 95 ft wide

Location & Zoning

Street Address	402 E MAIN ST
City	COLDWATER
State	OH
Zip	45828-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT LOT#: 34
Legal Subdivision	VILLAGE OF COLDWATER
Legal Lot Number	34
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2027
Census Tract	967700

Owner

Source: Mercer County records · APN 05-007100.0000

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	Individual Name on File
Mailing Address	402 E MAIN ST, COLDWATER, OH 45828-1723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Nov 07, 2019	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
Dec 02, 2019	Survivorship Deed, Transfer · Conventional Mortgage THE PEOPLES BANK CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 02, 2019 · Amount on Record
Deed Sale	Dec 02, 2019 · Amount on Record
Prior Sale	May 06, 1994 · Amount on Record
Deed Document Number	20195610
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MERCER OH
Recording Date	Mar 29, 2022
Property Address	402 E MAIN ST, COLDWATER, OH 45828-1723
Document Number	202200001569
Instrument Date	Mar 29, 2022
Instrument	202200001569
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E MAIN ST, COLDWATER, OH 45828-1723

Mortgage

Document Number	202200001570
Date	Mar 29, 2022
Instrument	202200001570

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	402 E MAIN ST, COLDWATER, OH 45828-1723
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005119
Date	Nov 07, 2019
Instrument	201900005119

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 31, 2039

December 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Dec 02, 2019
Property Address	402 E MAIN ST, COLDWATER, OH 45828-1723
Document Number	201900005610
Instrument Date	Nov 26, 2019
Instrument	201900005610
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	402 E MAIN ST, COLDWATER, OH 45828-1723

Mortgage

Document Number	201900005611
Date	Dec 02, 2019
Instrument	201900005611

Lender

Name	THE PEOPLES BANK CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2049

Tax Assessment & Valuation

Source: Mercer County records · Assessment roll updated February 27, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Mercer County
County Subdivision	Butler Township
Municipality	Coldwater Village
Unified School District	Coldwater Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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	$2,106.00	$63,280 (-) Land $9,310 Building $53,970
2024	$2,106.00 (+1.89%)	$63,280 (-) Land $9,310 Building $53,970
2023	$2,067.00 (+19.27%)	$63,280 (+34.1%) Land $9,310 Building $53,970	$180,800 (+34.12%) Land $26,600 Building $154,200
2022	$1,733.00	$47,190 Land $6,970 Building $40,220
2020			$134,800 Land $19,900 Building $114,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mercer County (39107C), updated May 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391079677002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 438 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wabash Mutual Telephone Company	Fiber	2,000 / 2,000
New Knoxville Telephone Company/GoldStar Communications	Fiber	1,000 / 1,000
Spectrum	Cable	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

May also be available at this address: Wabash Mutual Telephone Company, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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