551 Robert St, Coldwater, OH 45828 Property Records

Mercer County property record for 551 Robert St, Coldwater, OH 45828

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,802 sqft · built 2014
Lot Size	0.446 acres (19,460 sqft)
Owner	Individual Name on Record
Last Sale	$49,280 (Nov 2013)
Tax Bill	$4,128 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-012551.0121`

Property Details

APN / Parcel Number

Primary APN	`05-012551.0121`
Alternative APN	`08-28-251-045`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Stories	1 Story
Building Area	3,802 sqft Total Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Triplex
Lot Area	19,460 sqft (0.446 acres)
Lot Dimensions	140 ft deep x 139 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	551 ROBERT ST
City	COLDWATER
State	OH
Zip	45828-1181
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	WENNING ACRES FOURTH ADDITION LOT#: 1660
Legal Subdivision	WENNING ACRES FOURTH ACRES
Legal Lot Number	1660
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	3
Census Block	3001
Census Tract	967700

Owner

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	4356 BUSCHOR RD, COLDWATER, OH 45828-9705
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO
May 16, 2023	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO
Jun 14, 2017	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2013 · Amount on Record
Deed Sale	Nov 19, 2013 · Amount on Record
Deed Document Number	20136726
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	551 ROBERT ST, COLDWATER, OH 45828-1181
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002280
Date	Jun 20, 2023
Instrument	202300002280

Lender

Name	THE PEOPLES BANK CO
Type	Bank
Address	COLDWATER, OH 45828

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	251 Months
Due	May 12, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	551 ROBERT ST, COLDWATER, OH 45828-1181
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300001827
Date	May 16, 2023
Instrument	202300001827

Lender

Name	THE PEOPLES BANK CO
Type	Bank
Address	COLDWATER, OH 45828

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	252 Months
Due	May 12, 2044

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	551 ROBERT ST, COLDWATER, OH 45828-1181
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700002678
Date	Jun 14, 2017
Instrument	201700002678

Lender

Name	THE PEOPLES BANK CO
Type	Bank
Address	COLDWATER, OH 45828

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	312 Months
Due	Jun 12, 2043

Tax Assessment & Valuation

Source: Mercer County assessment roll, as of February 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,128.00 (+1.83%)	$121,040 (-) Land $25,940 Building $95,100
2024		$121,040 (-) Land $25,940 Building $95,100
2023	$4,054.00 (+11.59%)	$121,040 (+25.39%) Land $25,940 Building $95,100	$345,800 (+25.38%) Land $74,100 Building $271,700
2022	$3,633.00	$96,530 Land $13,790 Building $82,740
2020			$275,800 Land $39,400 Building $236,400

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

Flood

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.

Wildfire

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.

Drinking Water

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

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, 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 273 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	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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