806 Opal Dr, Coldwater, OH 45828 Property Records

Mercer County property record for 806 Opal Dr, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,748 sqft · built 1987
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Aug 2006)
Tax Bill	$3,325 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-170100.0000`

Property Details

APN / Parcel Number

Primary APN	`05-170100.0000`
Alternative APN	`08-28-178-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Basement Area	1,424 sqft
Unfinished Basement	1,424 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	806 OPAL DR
City	COLDWATER
State	OH
Zip	45828-1058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTVIEW FIRST ADD RTS: 000-00-00 LOT#: 1293
Legal Subdivision	WESTVIEW FIRST ADD
Legal Lot Number	1293
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	806 OPAL DR, COLDWATER, OH 45828-1058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit HONDA FCU
Aug 1, 2019	Deed of Trust, Mortgage · Line of Credit HONDA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2006 · Amount on Record
Deed Sale	Aug 1, 2006 · Amount on Record
Deed Document Number	20064567
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	806 OPAL DR, COLDWATER, OH 45828-1058
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100007009
Date	Nov 16, 2021
Instrument	202100007009

Lender

Name	HONDA FCU
Type	Credit Union
Address	MARYSVILLE, OH 43040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	10 Months
Due	Oct 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	806 OPAL DR, COLDWATER, OH 45828-1058
Transaction Type	Mortgage
Record Updated	Aug 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900003207
Date	Aug 1, 2019
Instrument	201900003207

Lender

Name	HONDA FCU
Type	Credit Union
Address	MARYSVILLE, OH 43040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2029

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	$3,325.00	$99,890 (-) Land $15,120 Building $84,770
2024	$3,325.00 (+1.93%)	$99,890 (-) Land $15,120 Building $84,770
2023	$3,262.00 (+9.83%)	$99,890 (+23.53%) Land $15,120 Building $84,770	$285,400 (+23.55%) Land $43,200 Building $242,200
2022	$2,970.00	$80,860 Land $11,940 Building $68,920
2020			$231,000 Land $34,100 Building $196,900

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

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	Not rated no burnable land within 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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