646 Robert St, Coldwater, OH 45828 Property Records

Mercer County property record for 646 Robert St, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,428 sqft · built 2005
Lot Size	0.372 acres (16,215 sqft)
Owner	Individual Name on Record
Last Sale	$30,120 (Sep 2005)
Tax Bill	$4,784 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`05-217000.0000`

Property Details

APN / Parcel Number

Primary APN	`05-217000.0000`
Alternative APN	`08-28-251-024`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,428 sqft Living Area
Basement Area	1,480 sqft
Finished Basement	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	16,215 sqft (0.372 acres)
Lot Dimensions	115 ft deep x 141 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	646 ROBERT ST
City	COLDWATER
State	OH
Zip	45828-1174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WENNING ACRES SECOND ADDITION LOT#: 1587
Legal Subdivision	WENNING ACRES SECOND ACRES
Legal Lot Number	1587
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	Individual Name on Record
Mailing Address	646 ROBERT ST, COLDWATER, OH 45828-1174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO
Sep 13, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2005 · Amount on Record
Deed Sale	Sep 27, 2005 · Amount on Record
Deed Document Number	20055932
Last Transfer Date	Sep 13, 2021
Transfer Doc	0000005714
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	646 ROBERT ST, COLDWATER, OH 45828-1174
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006597
Date	Oct 26, 2021
Instrument	202100006597

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCER OH
Recording Date	Sep 13, 2021
Property Address	646 ROBERT ST, COLDWATER, OH 45828-1174
Document Number	202100005714
Instrument Date	Sep 13, 2021
Instrument	202100005714
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 ROBERT ST, COLDWATER, OH 45828-1174

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	$4,784.00	$140,290 (-) Land $23,840 Building $116,450
2024	$4,784.00 (+1.83%)	$140,290 (-) Land $23,840 Building $116,450
2023	$4,698.00 (+19.27%)	$140,290 (+34.04%) Land $23,840 Building $116,450	$400,800 (+34.05%) Land $68,100 Building $332,700
2022	$3,939.00	$104,660 Land $17,190 Building $87,470
2020			$299,000 Land $49,100 Building $249,900

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	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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