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

Coshocton County property record for 513 E Main St, West Lafayette, OH 43845

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,720 sqft · built 1910
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$58,000 (Apr 2005)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Sep 2006 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002310-1`

Property Details

APN / Parcel Number

Primary APN	`002310-1`
Alternative APN	`0200000042600`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,720 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	760 sqft
Basement Area	760 sqft
Unfinished Basement	760 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Terrain	Above Road/Slope
View / Lot	High Traffic Area
Garage Type	Detached
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002310-1
Street Address	513 E MAIN ST
City	WEST LAFAYETTE
State	OH
Zip	43845-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN-LOT 187 50 X 150 06 DOC 4697
Legal Subdivision	A T BEALLS ADDITION
Legal Lot Number	187
Jurisdiction	COSHOCTON OH
Township / Civil Division	LAFAYETTE
Census Block Group	3
Census Block	3000
Census Tract	961800

Owner

513 E Main St is owned and occupied by an individual who acquired it in August 2006.

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

Owner of Record	Individual Name on File
Mailing Address	513 E MAIN ST, WEST LAFAYETTE, OH 43845-1221
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 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Sep 12, 2006	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NLC FINANCIAL SERVICES LLC
Apr 20, 2005	Warranty Deed, Transfer · ARM EQUIFIRST CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2005 · Amount on File
Deed Sale	Apr 20, 2005 · Amount on File
Prior Sale	Apr 13, 1999 · Amount on File
Deed Document Number	20051942
Deed Book / Page	375 / 820
Last Transfer Date	Aug 29, 2006
Transfer Doc	000423/582
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	513 E MAIN ST, WEST LAFAYETTE, OH 43845-1221
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00775/3159
Date	Nov 18, 2019
Book Page	775/3159
Instrument	201900004819

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 1, 2034

September 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COSHOCTON OH
Recording Date	Sep 12, 2006
Property Address	513 E MAIN ST, WEST LAFAYETTE, OH 43845-1221
Document Number	000423/580
Book / Page	423 / 580
Map Reference	MB2 PG5
Instrument Date	Aug 29, 2006
Instrument	200600004697
Transaction Type	Transfer
Record Updated	May 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	513 E MAIN ST, WEST LAFAYETTE, OH 43845-1221

Mortgage

Document Number	000423/582
Date	Sep 12, 2006
Book Page	423/582
Instrument	200600004698

Lender

Name	FIRST NLC FINANCIAL SERVICES LLC
Type	Subprime Lender
Address	DEERFIELD BEACH, FL 33441

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2036

April 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Apr 20, 2005
Property Address	513 E MAIN ST, WEST LAFAYETTE, OH 43845-1221
Document Number	000375/820
Book / Page	375 / 820
Map Reference	MB2 PG5
Instrument Date	Apr 19, 2005
Instrument	200500001942
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	CHELSEA TITLE, CHELSEA TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 E MAIN ST, WEST LAFAYETTE, OH 43845-1221

Mortgage

Document Number	000375/822
Date	Apr 20, 2005
Book Page	375/822
Instrument	200500001943

Lender

Name	EQUIFIRST CORP
Type	Subprime Lender
Address	CHARLOTTE, NC 28273

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2035
Prepayment Penalty	24 Months

Interest

Rate Type	Adjustable Rate
Rate	6.8%
Type Change Date	May 1, 2007
Change Frequency	6 Months
Min Rate At Change	6.8%
Max Rate At Change	9.8%
Index	6-Month LIBOR
Max Rate	12.8%

Tax Assessment & Valuation

The 2025 property tax bill for 513 E Main St was $1,896 with a homeowner's exemption, up 0.3% from the year before.

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	$1,896.00 (+0.26%)	$45,990 (-) Land $6,010 Building $39,980	$131,400 (-) Land $17,180 Building $114,220
2024	$1,891.00 (+33.17%) Homeowner's exemption	$45,990 (+33.12%) Land $6,010 Building $39,980	$131,400 Land $17,180 Building $114,220
2023	$1,420.00 (-2.54%) Homeowner's exemption	$34,549 (-) Land $4,022 Building $30,527
2022	$1,457.00 Homeowner's exemption	$34,549 Land $4,022 Building $30,527
2021			$98,710 Land $11,490 Building $87,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 513 E Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 2, 2010

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.

Wildfire

Wildfire risk around 513 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	None beyond ember reach

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 532 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
Verizon Fixed Wireless	300 / 20

May also be available: altafiber Network Solutions, Smart Way Communications.

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