802 Bernard Ct, Coldwater, OH 45828 Property Records

Mercer County property record for 802 Bernard Ct, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,322 sqft · built 1999
Lot Size	0.42 acres (18,304 sqft)
Owner	2 Individual Names on File
Last Sale	$18,500 (Jul 1998)
Tax Bill	$3,938 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`05-187000.0000`

Property Details

APN / Parcel Number

Primary APN	`05-187000.0000`
Alternative APN	`08-27-402-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,322 sqft Living Area
Basement Area	1,350 sqft
Finished Basement	1,350 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	18,304 sqft (0.42 acres)
Lot Dimensions	128 ft deep x 143 ft wide
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	802 BERNARD CT
City	COLDWATER
State	OH
Zip	45828-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EASTVIEW THIRD ADD PLATTED 12/1/97 LOT#: 1462
Legal Subdivision	EASTVIEW THIRD ADD
Legal Lot Number	1462
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2009
Census Tract	967700

Owner

802 Bernard Ct is owned and occupied by two individuals who acquired it in March 2021.

Source: Mercer County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	802 BERNARD CT, COLDWATER, OH 45828-1532
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 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 1, 2013	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO
Jan 29, 2009	Deed of Trust, Mortgage QUICKEN LOANS INC
Sep 29, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage QUICKEN LOANS INC
Dec 4, 2012	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO
Mar 15, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 1998 · Amount on File
Deed Sale	Jul 6, 1998 · Amount on File
Last Transfer Date	Mar 9, 2021
Transfer Doc	0000001647
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Recording Date	Sep 18, 2026
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Document Number	0000004374
Instrument Date	Sep 14, 2026
Instrument	20264374
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 BERNARD CT, COLDWATER, OH 45828-1532

Mortgage

Document Number	0000004374,
Date	Sep 18, 2026
Instrument	20264374

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

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

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 BERNARD CT, COLDWATER, OH 45828-1532

Mortgage

Document Number	202500005456
Date	Dec 29, 2025
Instrument	202500005456

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	97 Months
Due	Jan 1, 2034

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201300006403
Date	Nov 1, 2013
Instrument	201300006403

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 20, 2023

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900000699
Date	Jan 29, 2009
Instrument	200900000699

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2024

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200600005816
Date	Sep 29, 2006
Instrument	200600005816

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2021

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200007449
Date	Dec 4, 2012
Instrument	201200007449

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2027

March 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MERCER OH
Recording Date	Mar 15, 2021
Property Address	802 BERNARD CT, COLDWATER, OH 45828-1532
Document Number	202100001647
Map Reference	CABB 1 PG 290-291
Instrument Date	Mar 9, 2021
Instrument	202100001647
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	802 BERNARD CT, COLDWATER, OH 45828-1532

Tax Assessment & Valuation

The 2025 property tax bill for 802 Bernard Ct was $3,938.

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	$3,938.00	$118,300 (-) Land $24,640 Building $93,660
2024	$3,938.00 (+1.92%)	$118,300 (-) Land $24,640 Building $93,660
2023	$3,864.00 (+19.78%)	$118,300 (+34.71%) Land $24,640 Building $93,660	$338,000 Land $70,400 Building $267,600
2022	$3,226.00	$87,820 Land $18,970 Building $68,850
2020			$250,900 Land $54,200 Building $196,700

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

Flood

FEMA maps place 802 Bernard Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · river or lake 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

Wildfire risk around 802 Bernard Ct is low, with less than 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 98% of the US · lower than 90% 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wabash Communications.

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