649 Ray Dr, Coldwater, OH 45828 Property Records

Mercer County property record for 649 Ray Dr, Coldwater, OH 45828 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2009
Square Footage	2,265 sqft Living Area
Lot Size	17,625 sqft (0.404 acres)
Occupancy	Owner Occupied
Last Sale	$33,120 (2007)
Tax Bill	$5,418.00 (2025)

Owner

Source: Mercer County records · APN 05-216000.0000

Assessment roll updated February 27, 2026 · Last verified July 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 File
Mailing Address	649 RAY DR, COLDWATER, OH 45828-1175
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 06, 2007 · Amount on Record
Deed Sale	Apr 06, 2007 · Amount on Record
Deed Doc Number	20071814
Record Refreshed	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	649 RAY DR, COLDWATER, OH 45828-1175
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004511
Date	Jul 20, 2021
Instrument	202100004511

Lender

Name	OSGOOD STATE BANK
Type	Bank
Address	OSGOOD, OH 45351

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Mercer County records · Assessment roll updated February 27, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,418.00	$162,750 (-) Land $23,310 Building $139,440
2024	$5,418.00 (+1.92%)	$162,750 (-) Land $23,310 Building $139,440
2023	$5,316.00 (+23.77%)	$162,750 (+39.17%) Land $23,310 Building $139,440	$465,000 (+39.18%) Land $66,600 Building $398,400
2022	$4,295.00	$116,940 Land $16,840 Building $100,100
2020			$334,100 Land $48,100 Building $286,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mercer County (39107C), updated May 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 1% of the US · above 4% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`05-216000.0000`
Alternative APN	`08-28-251-023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	2,265 sqft Living Area
Basement Area	1,600 sqft Basement
Unfinished Basement	1,600 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	17,625 sqft (0.404 acres)
Depth X Width	141 ft x 125 ft Depth x Width
Garage Type	Attached Garage

Location & Zoning

Street Address	649 RAY DR
City	COLDWATER
State	OH
Zip	45828-1175
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WENNING ACRES SECOND ADDITION LOT 1586 RTS: 002-06-28
Legal Subdivision	WENNING ACRES SECOND ACRES
Legal Lot Number	1586
Jurisdiction	MERCER OH
Minor Civil Division	BUTLER
Census Blockgroup	3
Census Block	3001
Census Tract	967700