803 Opal Dr, Coldwater, OH 45828 Property Records

Mercer County property record for 803 Opal Dr, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,560 sqft · built 1988
Lot Size	0.466 acres (20,300 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Feb 2019)
Tax Bill	$3,199 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-169600.0000`

Property Details

APN / Parcel Number

Primary APN	`05-169600.0000`
Alternative APN	`08-28-178-013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	20,300 sqft (0.466 acres)
Lot Dimensions	140 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	803 OPAL DR
City	COLDWATER
State	OH
Zip	45828-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTVIEW FIRST ADD LOT#: 1288
Legal Subdivision	WESTVIEW FIRST ADD
Legal Lot Number	1288
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	3
Census Block	3006
Census Tract	967700

Owner

803 Opal Dr is owned and occupied by two individuals who bought it in February 2019.

Source: Mercer County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	803 OPAL DR, COLDWATER, OH 45828-1059
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
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON
Feb 21, 2019	Survivorship Deed, Transfer · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFF

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2019 · Amount on File
Deed Sale	Feb 21, 2019 · Amount on File
Deed Document Number	2019697
Prior Transfer Date	Feb 10, 2010
Prior Transfer Doc	0000000662
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	803 OPAL DR, COLDWATER, OH 45828-1059
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004522
Date	Jul 29, 2020
Instrument	202000004522

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	803 OPAL DR, COLDWATER, OH 45828-1059
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900004781
Date	Oct 21, 2019
Instrument	201900004781

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Feb 21, 2019
Property Address	803 OPAL DR, COLDWATER, OH 45828-1059
Document Number	201900000697
Map Reference	CAB 1 PG 56-57
Instrument Date	Feb 20, 2019
Instrument	201900000697
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	803 OPAL DR, COLDWATER, OH 45828-1059

Mortgage

Document Number	201900000698
Date	Feb 21, 2019
Instrument	201900000698

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFF
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 803 Opal Dr was $3,199.

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	$3,199.00	$93,800 (-) Land $20,160 Building $73,640
2024	$3,199.00 (+1.85%)	$93,800 (-) Land $20,160 Building $73,640
2023	$3,141.00 (+10.48%)	$93,800 (+24.17%) Land $20,160 Building $73,640	$268,000 Land $57,600 Building $210,400
2022	$2,843.00	$75,540 Land $15,930 Building $59,610
2020			$215,800 Land $45,500 Building $170,300

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 803 Opal Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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

Wildfire risk around 803 Opal Dr 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 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	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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