Mercer County property record for 509 N Mill St, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,032 sqft · built 1953 |
| Lot Size | 0.187 acres (8,184 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $22,000 (Apr 2005) |
| Tax Bill | $1,753 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage May 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-104900.0000 |
| Primary APN | 05-104900.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| Basement Area | 774 sqft |
| Unfinished Basement | 774 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Lot Area | 8,184 sqft (0.187 acres) |
| Lot Dimensions | 132 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 509 N MILL ST |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SELHORST THIRD ADDITION LOT 661 ALSO SM PT SEC LAND RTS: 000-00-00 LOT#: 661 |
| Legal Subdivision | SELHORST THIRD ADDITION |
| Legal Lot Number | 661 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 967700 |
509 N Mill St is owned and occupied by two individuals who bought it in April 2005.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 N MILL ST, COLDWATER, OH 45828-1132 |
| 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 |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO |
| May 9, 2022 | Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO |
| Oct 31, 2018 | Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2005 · Amount on File |
| Deed Sale | Apr 19, 2005 · Amount on File |
| Deed Document Number | 20052382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 509 N MILL ST, COLDWATER, OH 45828-1132 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202000003709 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 202000003709 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | 45829 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 509 N MILL ST, COLDWATER, OH 45828-1132 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 509 N MILL ST, COLDWATER, OH 45828-1132 |
| Document Number | 202200002340 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 202200002340 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 509 N MILL ST, COLDWATER, OH 45828-1132 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201800005287 |
|---|---|
| Date | Oct 31, 2018 |
| Instrument | 201800005287 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 20, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 509 N Mill St was $1,753.
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 | $1,753.00 | $52,680 (-) Land $9,000 Building $43,680 | |
| 2024 | $1,753.00 (+1.92%) | $52,680 (-) Land $9,000 Building $43,680 | |
| 2023 | $1,720.00 (+14.29%) | $52,680 (+28.52%) Land $9,000 Building $43,680 | $150,500 Land $25,700 Building $124,800 |
| 2022 | $1,505.00 | $40,990 Land $6,340 Building $34,650 | |
| 2020 | $117,100 Land $18,100 Building $99,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 N Mill St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012 · 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 Claims | 2 (1980–1989) |
| Most Recent Claim | May 1989 · Severe Storms & Flooding |
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.
The area around 509 N Mill 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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