631 Locust St, Coshocton, OH 43812 Property Records

Coshocton County property record for 631 Locust St, Coshocton, OH 43812

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,112 sqft · built 1925
Lot Size	0.118 acres (5,140 sqft)
Owner	Company Name on File
Last Sale	$78,000 (Jan 2026)
Tax Bill	$606 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004220-1`

Property Details

APN / Parcel Number

Primary APN	`004220-1`
Alternative APN	`0430000134100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,112 sqft Living Area
Gross Area	1,088 sqft
1st Floor Area	664 sqft
Upper Floors Area	448 sqft
Basement Area	664 sqft
Unfinished Basement	24 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,140 sqft (0.118 acres)
Lot Dimensions	200 ft deep x 28 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	004220-1
Street Address	631 LOCUST ST
City	COSHOCTON
State	OH
Zip	43812-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT O L 39-27.85X200.27+TR1 .118A(25.85X200.27)+TR3 .009A(2X200.27) 99DOCU7611
Legal Tract	1,3
Jurisdiction	COSHOCTON OH
Township / Civil Division	COSHOCTON
Census Block Group	2
Census Block	2002
Census Tract	961500

Owner

631 Locust St is owned by a company that bought it in January 2026.

Source: Coshocton County records, as of April 17, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 1593, COSHOCTON, OH 43812-6593
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2019	Deed of Trust, Mortgage · Line of Credit THE HOME LOAN SAVINGS BANK
Mar 20, 2023	Deed of Trust, Mortgage · Closed-End Mortgage THE HOME LOAN SAVINGS BANK
Jan 20, 2026	Warranty Deed, Transfer · Commercial Mortgage THE HOME LOAN SAVINGS BANK
Feb 14, 2019	Limited Warranty Deed, Transfer VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC
Dec 6, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Feb 14, 2019 · Amount on File
Deed Document Number	2026250
Deed Book / Page	810 / 1031
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	631 LOCUST ST, COSHOCTON, OH 43812-1246
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00771/1413
Date	Jan 22, 2019
Book Page	771/1413
Instrument	201900000286

Lender

Name	THE HOME LOAN SAVINGS BANK
Type	Bank
Address	COSHOCTON, OH 43812

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 18, 2039

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	631 LOCUST ST, COSHOCTON, OH 43812-1246
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 E 4TH ST, WARSAW, OH 43844-3508

Mortgage

Document Number	00795/1556
Date	Mar 20, 2023
Book Page	795/1556
Instrument	202300001023

Lender

Name	THE HOME LOAN SAVINGS BANK
Type	Bank
Address	COSHOCTON, OH 43812

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2053

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Jan 20, 2026
Property Address	631 LOCUST ST, COSHOCTON, OH 43812-1246
Document Number	00810/1031
Book / Page	810 / 1031
Map Reference	MB 2 PG 11-14
Instrument Date	Jan 13, 2026
Instrument	202600000250
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE COSHOCTON

Transaction

Amount	Amount 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
Address	PO BOX 1593, COSHOCTON, OH 43812-6593

Mortgage

Document Number	202600000251
Date	Jan 20, 2026
Instrument	202600000251

Lender

Name	THE HOME LOAN SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 12, 2036

February 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Feb 14, 2019
Property Address	631 LOCUST ST, COSHOCTON, OH 43812-1246
Document Number	00771/3237
Book / Page	771 / 3237
Map Reference	MB 2 PG 11-14
Instrument Date	Jan 2, 2019
Instrument	201900000588
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 S LA SALLE ST # ST2000, 440, CHICAGO, IL 60605-1028

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 MEADOWBROOK WAY, COSHOCTON, OH 43812-3030

December 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	COSHOCTON OH
Recording Date	Dec 6, 2017
Property Address	631 LOCUST ST, COSHOCTON, OH 43812-1246
Document Number	000748/172
Book / Page	748 / 172
Map Reference	VOL 303 PG 646
Instrument Date	Dec 5, 2017
Instrument	201700004566
Transaction Type	Foreclosure
Record Updated	May 17, 2022

Transaction

Amount	Amount on Record
Tax	$88.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 S LA SALLE ST STE 2000, 2000, CHICAGO, IL 60605-5011
Mail Care Of	FAY SERVICING LLC

Tax Assessment & Valuation

The 2025 property tax bill for 631 Locust St was $606, up 8.6% from the year before.

Source: Coshocton County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Coshocton County
Municipality	Coshocton City
Unified School District	Coshocton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$606.00 (+8.6%)	$13,180 (-) Land $2,540 Building $10,640	$37,680 (-) Land $7,270 Building $30,410
2024	$558.00 (+13.41%)	$13,180 (+27.09%) Land $2,540 Building $10,640	$37,680 Land $7,270 Building $30,410
2023	$492.00 (-3.34%)	$10,371 (-) Land $1,957 Building $8,414
2022	$509.00	$10,371 Land $1,957 Building $8,414
2021			$29,630 Land $5,590 Building $24,040

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 631 Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 2, 2010

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.

Wildfire

Wildfire risk around 631 Locust St is low, with a 0.01% annual chance of wildfire.

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	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 424 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
Starlink Satellite	280 / 30
altafiber Network Solutions Fixed Wireless	100 / 20

May also be available: Verizon.

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