655 Locust St, Coshocton, OH 43812 Property Records

Coshocton County property record for 655 Locust St, Coshocton, OH 43812

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,132 sqft · built 1914
Lot Size	0.213 acres (9,270 sqft)
Owner	2 Individual Names on File
Last Sale	$115,500 (Jun 2023)
Tax Bill	$1,700 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004332-0`

Property Details

APN / Parcel Number

Primary APN	`004332-0`
Alternative APN	`0430000247000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,132 sqft Living Area
1st Floor Area	1,066 sqft
Upper Floors Area	1,066 sqft
Attic	Attic
Attic Area	1,066 sqft
Basement Area	1,066 sqft
Unfinished Basement	1,066 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	9,270 sqft (0.213 acres)
Lot Dimensions	206 ft deep x 45 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	207 sqft
Deck Area	48 sqft
Patio Area	144 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	004332-0
Street Address	655 LOCUST ST
City	COSHOCTON
State	OH
Zip	43812-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT-LOT 37 W 1/2 44.94 X 206.17 (9239 SQ FT)
Legal Subdivision	COSHOCTON TOWNSHIP
Legal Lot Number	37
Jurisdiction	COSHOCTON OH
Township / Civil Division	COSHOCTON
Census Block Group	2
Census Block	2002
Census Tract	961500

Owner

655 Locust St is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	655 LOCUST ST, COSHOCTON, OH 43812-1246
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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 15, 2026	Deed of Trust, Mortgage · FHA Mortgage MILEND INC
Jun 12, 2023	Fiduciary Deed, Transfer · Conventional Mortgage BANK2

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on File
Deed Sale	Jun 12, 2023 · Amount on File
Deed Document Number	20232209
Deed Book / Page	796 / 2719
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	655 LOCUST ST, COSHOCTON, OH 43812-1246
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 LOCUST ST, COSHOCTON, OH 43812-1246

Mortgage

Document Number	000810/892
Date	Jan 15, 2026
Book Page	810/892
Instrument	202600000223

Lender

Name	MILEND INC
Type	Mortgage Company
Address	8995 WESTSIDE PKWY, ALPHARETTA, GA 30009

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	COSHOCTON OH
Recording Date	Jun 12, 2023
Property Address	655 LOCUST ST, COSHOCTON, OH 43812-1246
Document Number	00796/2719
Book / Page	796 / 2719
Instrument Date	May 31, 2023
Instrument	202300002209
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

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
Relationship	Joint Tenants with Right of Survivorship
Address	655 LOCUST ST, COSHOCTON, OH 43812-1246

Mortgage

Document Number	202300002210
Date	Jun 12, 2023
Instrument	202300002210

Lender

Name	BANK2
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 655 Locust St was $1,700.

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	$1,700.00	$37,030 Land $4,120 Building $32,910	$105,810 Land $11,780 Building $94,030
2023	$1,382.00 (-2.95%)	$29,187 (-) Land $3,171 Building $26,016
2022	$1,424.00	$29,187 Land $3,171 Building $26,016
2021			$83,390 Land $9,060 Building $74,330

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

FEMA maps place 655 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 655 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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