621 Robert St, Coldwater, OH 45828 Property Records

Mercer County property record for 621 Robert St, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,892 sqft · built 2013
Lot Size	0.385 acres (16,779 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Aug 2022)
Tax Bill	$6,023 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-012551.0106`

Property Details

APN / Parcel Number

Primary APN	`05-012551.0106`
Alternative APN	`08-28-251-030`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	2,892 sqft Living Area
Basement Area	1,728 sqft
Finished Basement	1,728 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	16,779 sqft (0.385 acres)
Lot Dimensions	141 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	621 ROBERT ST
City	COLDWATER
State	OH
Zip	45828-1173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WENNING ACRES THIRD ADDITION LOT #1638
Legal Subdivision	WENNING ACRES THIRD ACRES
Legal Lot Number	1638
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	3
Census Block	3002
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	2 Individual Names on Record
Mailing Address	621 ROBERT ST, COLDWATER, OH 45828-1173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Survivorship Deed, Transfer · Conventional Mortgage SUPERIOR CU INC
Aug 1, 2022	Deed of Trust, Mortgage SUPERIOR CU
Sep 8, 2020	Deed of Trust, Mortgage SUPERIOR CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Jun 6, 2013 · Amount on Record
Deed Document Number	20224175
Record Updated	Sep 20, 2026

August 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Aug 26, 2022
Property Address	621 ROBERT ST, COLDWATER, OH 45828-1173
Document Number	202200004175
Map Reference	DOC 200800001125
Instrument Date	Aug 24, 2022
Instrument	202200004175
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Right of Survivorship
Address	621 ROBERT ST, COLDWATER, OH 45828-1173

Mortgage

Document Number	202200004176
Date	Aug 26, 2022
Instrument	202200004176

Lender

Name	SUPERIOR CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	621 ROBERT ST, COLDWATER, OH 45828-1173
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200003755
Date	Aug 1, 2022
Instrument	202200003755

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Jul 15, 2042

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	621 ROBERT ST, COLDWATER, OH 45828-1173
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005635
Date	Sep 8, 2020
Instrument	202000005635

Lender

Name	SUPERIOR CU INC
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2030

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	$6,023.00	$176,610 (-) Land $22,190 Building $154,420
2024	$6,023.00 (+1.83%)	$176,610 (-) Land $22,190 Building $154,420
2023	$5,915.00 (+20.69%)	$176,610 (+32.36%) Land $22,190 Building $154,420	$504,600 (+32.37%) Land $63,400 Building $441,200
2022	$4,901.00	$133,430 Land $16,000 Building $117,430
2020			$381,200 Land $45,700 Building $335,500

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.

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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