Coshocton County property record for 548 School St, Coshocton, OH 43812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 820 sqft · built 1940 |
| Lot Size | 0.248 acres (10,824 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,900 (Nov 2022) |
| Tax Bill | $1,218 (2025) |
| Deeds & Mortgages | Apr 2005 Line of Credit Nov 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004771-0 |
| Primary APN | 004771-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 820 sqft Living Area |
| 1st Floor Area | 692 sqft |
| Upper Floors Area | 256 sqft |
| Basement Area | 804 sqft |
| Unfinished Basement | 436 sqft |
| Game Room | Game Room |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,824 sqft (0.248 acres) |
| Lot Dimensions | 158 ft deep x 82 ft wide |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 984 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 004771-0 |
|---|---|
| Street Address | 548 SCHOOL ST |
| City | COSHOCTON |
| State | OH |
| Zip | 43812-1046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN-LOT 3951 82 X 132 |
| Legal Subdivision | RANSOM SWAYNE & MEDBERRY ADDITION |
| Legal Lot Number | 3951 |
| Jurisdiction | COSHOCTON OH |
| Township / Civil Division | COSHOCTON |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 961300 |
Source: Coshocton County records, as of April 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1700 MAGNAVOX WAY, 220, FORT WAYNE, IN 46804-1552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Apr 18, 2005 | Deed of Trust, Mortgage · Line of Credit OHIO HERITAGE BANK |
| Nov 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Sep 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage LCJ FINANCIAL GROUP INC |
| Oct 19, 2017 | Warranty Deed, Transfer · ARM CENTURY NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2022 · Amount on Record |
| Deed Sale | Nov 8, 2022 · Amount on Record |
| Prior Sale | Sep 25, 2019 · Amount on Record |
| Deed Document Number | 20224818 |
| Deed Book / Page | 793 / 4004 |
| Prior Transfer Date | Nov 18, 1993 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Property Address | 548 SCHOOL ST, COSHOCTON, OH 43812-1046 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000375/370 |
|---|---|
| Date | Apr 18, 2005 |
| Book Page | 375/370 |
| Instrument | 200500001878 |
| Name | OHIO HERITAGE BANK |
|---|---|
| Address | COSHOCTON, OH 43812 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Apr 15, 2012 |
| Rate | 7.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Recording Date | Nov 8, 2022 |
| Property Address | 548 SCHOOL ST, COSHOCTON, OH 43812-1046 |
| Document Number | 00793/4004 |
| Book / Page | 793 / 4004 |
| Map Reference | VOL 18 PG 640 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 202200004818 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | ELITA LAND TITLE, ELITE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1700 MAGNAVOX WAY STE 220, 220, FORT WAYNE, IN 46804-1552 |
| Document Number | 202200004819 |
|---|---|
| Date | Nov 8, 2022 |
| Instrument | 202200004819 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Recording Date | Sep 25, 2019 |
| Property Address | 548 SCHOOL ST, COSHOCTON, OH 43812-1046 |
| Document Number | 00774/4272 |
| Book / Page | 774 / 4272 |
| Map Reference | VOL 18 PG 640 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 201900003936 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY TITLE COSHOCTON |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 548 SCHOOL ST, COSHOCTON, OH 43812-1046 |
| Document Number | 201900003937 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 201900003937 |
| Name | LCJ FINANCIAL GROUP INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COSHOCTON OH |
| Recording Date | Oct 19, 2017 |
| Property Address | 548 SCHOOL ST, COSHOCTON, OH 43812-1046 |
| Document Number | 000744/521 |
| Book / Page | 744 / 521 |
| Map Reference | VOL 18 PG 640 |
| Instrument Date | Oct 9, 2017 |
| Instrument | 201700003881 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 548 SCHOOL ST, COSHOCTON, OH 43812-1046 |
| Investor | Possibly a Property Investor |
| Document Number | 201700003882 |
|---|---|
| Date | Oct 19, 2017 |
| Instrument | 201700003882 |
| Name | CENTURY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Nov 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.62% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
Source: Coshocton County assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Coshocton County |
| Municipality | Coshocton City |
| Unified School District | River View Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,218.00 (+0.41%) | $34,910 (-) Land $8,840 Building $26,070 | $99,760 (-) Land $25,270 Building $74,490 |
| 2024 | $1,213.00 (+23.4%) Homeowner's exemption | $34,910 (+29.1%) Land $8,840 Building $26,070 | $99,760 (+29.12%) Land $25,270 Building $74,490 |
| 2023 | $983.00 (-2.96%) Homeowner's exemption | $27,042 (-) Land $6,185 Building $20,857 | |
| 2022 | $1,013.00 Homeowner's exemption | $27,042 Land $6,185 Building $20,857 | |
| 2021 | $77,260 Land $17,670 Building $59,590 |
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 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 Claims | 1 (1979) |
| Most Recent Claim | Sep 1979 · rainfall accumulation |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | COSHOCTON PWS private · serves 14,319 people · EPA ID OH1600012 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 75 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 |
| altafiber Network Solutions Fixed Wireless | 100 / 20 |
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