428 E Main St, West Lafayette, OH 43845 Property Records

Coshocton County property record for 428 E Main St, West Lafayette, OH 43845

Property Summary

Property Type	Single Family Home
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Nov 2022)
Tax Bill	$715 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002280-4`

Property Details

APN / Parcel Number

Primary APN	`002280-4`
Alternative APN	`0200000012200`

Exterior

Lot Area	37,462 sqft (0.86 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002280-4
Street Address	428 E MAIN ST
City	WEST LAFAYETTE
State	OH
Zip	43845-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT-LOT 45 PT 1/4A (UNPLATTED DESC .606A) 04 DOC 435
Legal Subdivision	VILLAGE OF WEST LAFAYETTE
Legal Lot Number	45
Jurisdiction	COSHOCTON OH
Township / Civil Division	LAFAYETTE
Census Block Group	2
Census Block	2011
Census Tract	961800

Owner

428 E Main St is owned and occupied by two individuals who bought it in November 2022.

Source: Coshocton County records, as of April 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	428 E MAIN ST, WEST LAFAYETTE, OH 43845-1220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTURY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2022 · Amount on File
Deed Sale	Nov 22, 2022 · Amount on File
Prior Sale	Jan 26, 2004 · Amount on File
Deed Document Number	20224996
Deed Book / Page	793 / 4875
Prior Transfer Date	May 7, 1999
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Nov 22, 2022
Property Address	428 E MAIN ST, WEST LAFAYETTE, OH 43845-1220
Document Number	00793/4876
Book / Page	793 / 4876
Map Reference	MB 2 PG 5
Instrument Date	Nov 21, 2022
Instrument	202200004996
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	NOT AVAILABLE, HILLYER & WELCH TTL SVCS INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 E MAIN ST, WEST LAFAYETTE, OH 43845-1220

Mortgage

Document Number	202200004997
Date	Nov 22, 2022
Instrument	202200004997

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	428 E MAIN ST, WEST LAFAYETTE, OH 43845-1220
Transaction Type	Mortgage
Record Updated	May 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00775/5127
Date	Dec 9, 2019
Book Page	775/5127
Instrument	201900005162

Lender

Name	CENTURY NATIONAL BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	334 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 428 E Main St was $715.

Source: Coshocton County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Coshocton County
County Subdivision	Lafayette Township
Municipality	West Lafayette Village
Unified School District	Ridgewood Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$715.00	$16,910 (-) Land $13,370 Building $3,540	$48,330 (-) Land $38,210 Building $10,120
2024	$715.00 (+45.33%)	$16,910 (+45.13%) Land $13,370 Building $3,540	$48,330 Land $38,210 Building $10,120
2023	$492.00 (-2.96%)	$11,652 (-) Land $8,946 Building $2,706
2022	$507.00	$11,652 Land $8,946 Building $2,706
2021			$33,290 Land $25,560 Building $7,730

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 428 E Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 2, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

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.

Wildfire

Wildfire risk around 428 E Main St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EDGEWOOD TERRACE private · serves 87 people · EPA ID OH1600212
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Smart Way Communications.

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