Mercer County property record for 540 S 3rd St, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,198 sqft · built 1988 |
| Lot Size | 0.168 acres (7,350 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $149,800 (Jan 2015) |
| Tax Bill | $2,024 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-164800.0000 |
| Primary APN | 05-164800.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,198 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Lot Area | 7,350 sqft (0.168 acres) |
| Lot Dimensions | 98 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 540 S 3RD ST |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STURBRIDGE ESTATES SECOND ADD LOT#: 1240 |
| Legal Subdivision | STURBRIDGE ESTATES |
| Legal Lot Number | 1240 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 4 |
| Census Block | 4067 |
| Census Tract | 967700 |
Source: Mercer County records, as of July 7, 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 Record |
|---|---|
| Mailing Address | 540 S 3RD ST, COLDWATER, OH 45828-1811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2015 · Amount on Record |
| Deed Sale | Jan 9, 2015 · Amount on Record |
| Prior Sale | Sep 3, 2009 · Amount on Record |
| Deed Document Number | 201565 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 540 S 3RD ST, COLDWATER, OH 45828-1811 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900003916 |
|---|---|
| Date | Sep 9, 2019 |
| Instrument | 201900003916 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
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 | $2,024.00 | $60,800 (-) Land $8,510 Building $52,290 | |
| 2024 | $2,024.00 (+1.91%) | $60,800 (-) Land $8,510 Building $52,290 | |
| 2023 | $1,986.00 (+18.28%) | $60,800 (+33.01%) Land $8,510 Building $52,290 | $173,700 (+33%) Land $24,300 Building $149,400 |
| 2022 | $1,679.00 | $45,710 Land $5,110 Building $40,600 | |
| 2020 | $130,600 Land $14,600 Building $116,000 |
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.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012
| 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.
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 131 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 |
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