Mercer County property record for 407 E College St, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,258 sqft · built 1930 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $174,914 (Jun 2020) |
| Tax Bill | $1,878 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Jul 2020 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-069900.0000 |
| Primary APN | 05-069900.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,258 sqft Living Area |
| Basement Area | 910 sqft |
| Finished Basement | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Street Address | 407 E COLLEGE ST |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FETZERS 2ND ADD LOT#: 319 |
| Legal Subdivision | FETZERS 2ND ADD |
| Legal Lot Number | 319 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 967700 |
407 E College St is owned and occupied by an individual who bought it in June 2020.
Source: Mercer County records, as of October 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| 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 |
|---|---|
| Oct 1, 2026 | Deed of Trust, Mortgage · Line of Credit NBKC BANK |
| Jul 13, 2020 | Intrafamily Transfer, Transfer |
| Jun 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFF |
| Jul 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Jul 5, 2018 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATL BANK OF BLUFFTON |
| May 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2020 · Amount on File |
| Deed Sale | Jun 12, 2020 · Amount on File |
| Prior Sale | Jun 20, 2016 · Amount on File |
| Deed Document Number | 20203266 |
| Prior Transfer Date | Jun 3, 2016 |
| Prior Transfer Doc | 0000002875 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Oct 1, 2026 |
| Property Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Document Number | 0000004600 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 20264600 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Document Number | 0000004600, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 20264600 |
| Name | NBKC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jul 13, 2020 |
| Property Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Document Number | 202000004032 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 202000004032 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jun 12, 2020 |
| Property Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Document Number | 202000003266 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 202000003266 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| 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 |
|---|---|
| Address | 407 EAST COLLEGE STTTTTTTTTTTREET, COLDWATER, OH 45828 |
| Document Number | 202000003267 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 202000003267 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFF |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900003007 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 201900003007 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201800003207 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 201800003207 |
| Name | THE CITIZENS NATL BANK OF BLUFFTON |
|---|---|
| Type | Funding / Finance Company |
| Address | COLDWATER, OH 45828 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 30, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 407 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201800002551 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 201800002551 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 407 E College St was $1,878.
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 | $1,878.00 | $56,420 (-) Land $6,510 Building $49,910 | |
| 2024 | $1,878.00 (+1.95%) | $56,420 (-) Land $6,510 Building $49,910 | |
| 2023 | $1,842.00 (+16.95%) | $56,420 (+31.58%) Land $6,510 Building $49,910 | $161,200 Land $18,600 Building $142,600 |
| 2022 | $1,575.00 | $42,880 Land $4,100 Building $38,780 | |
| 2020 | $122,500 Land $11,700 Building $110,800 |
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 407 E College St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 407 E College St 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 97% of the US · lower than 85% 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: 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 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber · Fixed Wireless in parts of the area | 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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