515 S 3rd St, Coldwater, OH 45828 Property Records

Mercer County property record for 515 S 3rd St, Coldwater, OH 45828

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,779 sqft · built 1996
Lot Size	0.366 acres (15,972 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jan 2020)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Jan 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-141750.0000`

Property Details

APN / Parcel Number

Primary APN	`05-141750.0000`
Alternative APN	`08-34-152-006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,779 sqft Total Area
Basement Area	695 sqft
Finished Basement	695 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Duplex Single
Lot Area	15,972 sqft (0.366 acres)
Lot Dimensions	121 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	515 S 3RD ST
City	COLDWATER
State	OH
Zip	45828-1812
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PT OUT LOT 46 RTS: 002-06-34
Legal Lot Number	46
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	4
Census Block	4001
Census Tract	967700

Owner

Source: Mercer County records · APN 05-141750.0000

Assessment roll updated February 27, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	525 S 3RD ST, COLDWATER, OH 45828-1812
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 02, 2020 · Amount on Record
Deed Sale	Jan 02, 2020 · Amount on Record
Deed Document Number	20207
Prior Transfer Date	Mar 26, 2014
Prior Transfer Doc	0000001170
Record Updated	Sep 20, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MERCER OH
Recording Date	Jan 02, 2020
Property Address	515 S 3RD ST, COLDWATER, OH 45828-1812
Document Number	202000000007
Instrument Date	Dec 31, 2019
Instrument	202000000007
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 S 3RD ST, COLDWATER, OH 45828-1812

Mortgage

Document Number	202000000008
Date	Jan 02, 2020
Instrument	202000000008

Lender

Name	THE PEOPLES BANK CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

Source: Mercer County records · Assessment roll updated February 27, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Mercer County
County Subdivision	Butler Township
Municipality	Coldwater Village
Unified School District	Coldwater Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,121.00	$91,530 (-) Land $16,630 Building $74,900
2024	$3,121.00 (+1.83%)	$91,530 (-) Land $16,630 Building $74,900
2023	$3,065.00 (-0.94%)	$91,530 (+11.32%) Land $16,630 Building $74,900	$261,500 (+11.32%) Land $47,500 Building $214,000
2022	$3,094.00	$82,220 Land $8,050 Building $74,170
2020			$234,900 Land $23,000 Building $211,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 16, 2012 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wabash Mutual Telephone Company Fiber · Fixed Wireless	2,000 / 2,000
New Knoxville Telephone Company/GoldStar Communications Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 131 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	COLDWATER VILLAGE serves 4,774 people
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	1 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.