Mercer County property record for 411 E College St, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,404 sqft · built 1937 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Oct 2005) |
| Tax Bill | $1,682 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-070100.0000 |
| Primary APN | 05-070100.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Street Address | 411 E COLLEGE ST |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FETZERS 2ND ADD RTS: 000-00-00 LOT#: 321 |
| Legal Subdivision | FETZERS 2ND ADD |
| Legal Lot Number | 321 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 967700 |
411 E College St is owned and occupied by two individuals who bought it in October 2005.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 411 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 |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Aug 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO |
| Jan 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2005 · Amount on File |
| Deed Sale | Oct 11, 2005 · Amount on File |
| Deed Document Number | 20056249 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 411 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 411 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Document Number | 202500005477 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 202500005477 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 411 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200004046 |
|---|---|
| Date | Aug 17, 2022 |
| Instrument | 202200004046 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 411 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000002654 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 202000002654 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 411 E COLLEGE ST, COLDWATER, OH 45828-1828 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900000095 |
|---|---|
| Date | Jan 9, 2019 |
| Instrument | 201900000095 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2025 property tax bill for 411 E College St was $1,682.
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 | $1,682.00 | $50,540 (-) Land $6,510 Building $44,030 | |
| 2024 | $1,682.00 (+1.94%) | $50,540 (-) Land $6,510 Building $44,030 | |
| 2023 | $1,650.00 (+8.13%) | $50,540 (+21.64%) Land $6,510 Building $44,030 | $144,400 Land $18,600 Building $125,800 |
| 2022 | $1,526.00 | $41,550 Land $4,100 Building $37,450 | |
| 2020 | $118,700 Land $11,700 Building $107,000 |
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 411 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 411 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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