Mercer County property record for 403 W Walnut St, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 2 ba · 2,824 sqft · built 1913 |
| Lot Size | 0.178 acres (7,788 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $256,666 (Sep 2025) |
| Tax Bill | $2,149 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-036600.0000 |
| Primary APN | 05-036600.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,824 sqft Living Area |
| Basement Area | 770 sqft |
| Unfinished Basement | 770 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Lot Area | 7,788 sqft (0.178 acres) |
| Lot Dimensions | 132 ft deep x 59 ft wide |
| Street Address | 403 W WALNUT ST |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD PLAT LOT#: 37 |
| Legal Lot Number | 37 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 4 |
| Census Block | 4056 |
| Census Tract | 967700 |
403 W Walnut St is owned and occupied by two individuals who bought it in September 2025.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 10, 2025 | Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO |
| Sep 19, 2025 | Survivorship Deed, Transfer · Conventional Mortgage THE PEOPLES BANK CO |
| Feb 8, 2016 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on File |
| Deed Sale | Sep 19, 2025 · Amount on File |
| Deed Document Number | 20253852 |
| Prior Transfer Date | Feb 5, 2016 |
| Prior Transfer Doc | 0000000561 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
| Document Number | 202500004662 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 202500004662 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 20, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Sep 19, 2025 |
| Property Address | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
| Document Number | 202500003852 |
| Map Reference | DOC 202500003276 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 202500003852 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 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 | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
| Document Number | 202500003853 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 202500003853 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Feb 8, 2016 |
| Property Address | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
| Document Number | 201600000561 |
| Instrument Date | Feb 5, 2016 |
| Instrument | 201600000561 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 W WALNUT ST, COLDWATER, OH 45828-1642 |
The 2025 property tax bill for 403 W Walnut St was $2,149.
Source: Mercer County assessment roll, as of February 27, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,149.00 | $74,700 (-) Land $6,690 Building $68,010 | |
| 2024 | $2,149.00 (+0.42%) | $74,700 (-) Land $6,690 Building $68,010 | |
| 2023 | $2,140.00 (+12.57%) | $74,700 (+23.43%) Land $6,690 Building $68,010 | $213,400 Land $19,100 Building $194,300 |
| 2022 | $1,901.00 | $60,520 Land $4,970 Building $55,550 | |
| 2020 | $172,900 Land $14,200 Building $158,700 |
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 403 W Walnut St 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.
The area around 403 W Walnut St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COLDWATER VILLAGE serves 4,774 people · EPA ID OH5400112 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 406 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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