641 E Main St, West Lafayette, OH 43845 Property Records

Coshocton County property record for 641 E Main St, West Lafayette, OH 43845

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.183 acres (7,950 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jan 2019)
Tax Bill	$175 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002137-9`

Property Details

APN / Parcel Number

Primary APN	`002137-9`
Alternative APN	`0180000063700`

Exterior

Lot Area	7,950 sqft (0.183 acres)
Lot Dimensions	150 ft deep x 53 ft wide

Location & Zoning

Account Number	002137-9
Street Address	641 E MAIN ST
City	WEST LAFAYETTE
State	OH
Zip	43845-1223
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	IN-LOT 3 53 X 150 MARX ADDITION 08 DOC 474
Legal Subdivision	PETER MARX ADDITION OF WEST LAFAYETTE
Legal Lot Number	3
Jurisdiction	COSHOCTON OH
Township / Civil Division	LAFAYETTE
Census Block Group	4
Census Block	4010
Census Tract	961800

Owner

641 E Main St, residential vacant land, is owned and occupied by an individual who acquired it in August 2026.

Source: Coshocton County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN SAVINGS BANK
Sep 18, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN SAVINGS BANK
Jan 4, 2019	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Prior Sale	Apr 28, 1995 · Amount on File
Deed Document Number	201941
Deed Book / Page	771 / 144
Last Transfer Date	Aug 27, 2026
Transfer Doc	0000004053
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Recording Date	Sep 28, 2026
Property Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223
Document Number	0000004241
Book / Page	814 / 1903
Instrument Date	Sep 23, 2026
Instrument	20264241
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223

Mortgage

Document Number	0000004241,
Date	Sep 28, 2026
Book Page	814/1903
Instrument	20264241

Lender

Name	HOME LOAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COSHOCTON OH
Recording Date	Sep 18, 2026
Property Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223
Document Number	0000004053
Book / Page	814 / 903
Instrument Date	Aug 27, 2026
Instrument	20264053
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223
Transaction Type	Mortgage
Record Updated	Mar 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	783/2094
Date	Feb 22, 2021
Book Page	783/2094
Instrument	202100000814

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	Jan 4, 2019
Property Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223
Document Number	00771/0144
Book / Page	771 / 0144
Map Reference	MB 1 PG 324&235
Instrument Date	Dec 27, 2018
Instrument	201900000041
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	VETERANS TITLE AND CLOSING SERVICES, VETERANS TITLE & CLOSING SE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	641 E MAIN ST, WEST LAFAYETTE, OH 43845-1223

Mortgage

Document Number	201900000042
Date	Jan 4, 2019
Instrument	201900000042

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 641 E Main St was $175.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Coshocton County
County Subdivision	Lafayette Township
Unified School District	Ridgewood Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$175.00	$4,460 Land $4,460	$12,740 Land $12,740
2023	$114.00 (-2.56%)	$2,982 (-) Land $2,982
2022	$117.00	$2,982 Land $2,982
2021			$8,520 Land $8,520

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 641 E Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 Policies	1 in force
Nearby Flood Claims	2 (1979–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1998 · Severe Storms, Flooding, And Tornadoes

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

Wildfire risk around 641 E Main 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	EDGEWOOD TERRACE private · serves 87 people · EPA ID OH1600212
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	4 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 138 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

May also be available: Smart Way Communications.

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