805 Emerald Ave, Coldwater, OH 45828 Property Records

Mercer County property record for 805 Emerald Ave, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,301 sqft · built 1987
Lot Size	1 acres (43,818 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,000 (Sep 2017)
Tax Bill	$7,008 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-168100.0000`

Property Details

APN / Parcel Number

Primary APN	`05-168100.0000`
Alternative APN	`08-28-179-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,301 sqft Living Area
Basement Area	3,301 sqft
Finished Basement	3,301 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	43,818 sqft (1 acres)
Lot Dimensions	218 ft deep x 201 ft wide
Garage Type	Attached
Garage Area	775 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	805 EMERALD AVE
City	COLDWATER
State	OH
Zip	45828-1055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTVIEW FIRST ADD LOT#: 1273
Legal Subdivision	WESTVIEW FIRST ADD
Legal Lot Number	1273
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	3
Census Block	3006
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	2 Individual Names on Record
Mailing Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO
Nov 27, 2019	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO
Jan 13, 2025	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF NEW BREMEN
Apr 1, 2024	Transfer on Death Deed, Transfer
Sep 1, 2017	Survivorship Deed, Transfer · Closed-End Mortgage THE PEOPLES BANK CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Prior Sale	Sep 25, 1989
Deed Document Number	20174114
Last Transfer Date	Apr 1, 2024
Transfer Doc	0000001172
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001714
Date	Mar 18, 2021
Instrument	202100001714

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005573
Date	Nov 27, 2019
Instrument	201900005573

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005574
Date	Nov 27, 2019
Instrument	201900005574

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 EMERALD AVE, COLDWATER, OH 45828-1055

Mortgage

Document Number	202500000129
Date	Jan 13, 2025
Instrument	202500000129

Lender

Name	FIRST NATIONAL BANK OF NEW BREMEN
Type	Bank
Address	NEW BREMEN, OH 45869

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 10, 2050

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MERCER OH
Recording Date	Apr 1, 2024
Property Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Document Number	202400001172
Map Reference	CAB 1 PG 56-57
Instrument Date	Mar 15, 2024
Instrument	202400001172
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
Address	805 EMERALD AVE, COLDWATER, OH 45828-1055

September 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Sep 1, 2017
Property Address	805 EMERALD AVE, COLDWATER, OH 45828-1055
Document Number	201700004114
Map Reference	CAB1 PG56&57
Instrument Date	Aug 31, 2017
Instrument	201700004114
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	Right of Survivorship
Address	805 EMERALD AVE, COLDWATER, OH 45828-1055

Mortgage

Document Number	201700004115
Date	Sep 1, 2017
Instrument	201700004115

Lender

Name	THE PEOPLES BANK CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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	$7,008.00	$205,490 (-) Land $33,180 Building $172,310
2024	$7,008.00 (+1.83%)	$205,490 (-) Land $33,180 Building $172,310
2023	$6,882.00 (+7.87%)	$205,490 (+21.23%) Land $33,180 Building $172,310	$587,100 (+21.23%) Land $94,800 Building $492,300
2022	$6,380.00	$169,510 Land $26,180 Building $143,330
2020			$484,300 Land $74,800 Building $409,500

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

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	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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