Mercer County property record for 809 Bernard Ct, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,865 sqft · built 2002 |
| Lot Size | 0.236 acres (10,300 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,518 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-187300.0000 |
| Primary APN | 05-187300.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,865 sqft Living Area |
| Basement Area | 945 sqft |
| Unfinished Basement | 945 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 10,300 sqft (0.236 acres) |
| Lot Dimensions | 103 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 39 sqft |
| Street Address | 809 BERNARD CT |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EASTVIEW THIRD ADD LOT#: 1465 |
| Legal Subdivision | EASTVIEW THIRD ADD |
| Legal Lot Number | 1465 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 967700 |
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 | 809 BERNARD CT, COLDWATER, OH 45828-1536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 809 BERNARD CT, COLDWATER, OH 45828-1536 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000004949 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 202000004949 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Butler Township |
| Municipality | Coldwater Village |
| Unified School District | Coldwater Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,518.00 | $105,670 (-) Land $15,370 Building $90,300 | |
| 2024 | $3,518.00 (+1.94%) | $105,670 (-) Land $15,370 Building $90,300 | |
| 2023 | $3,451.00 (+15.69%) | $105,670 (+30.12%) Land $15,370 Building $90,300 | $301,900 (+30.13%) Land $43,900 Building $258,000 |
| 2022 | $2,983.00 | $81,210 Land $11,870 Building $69,340 | |
| 2020 | $232,000 Land $33,900 Building $198,100 |
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.
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.
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.
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 |
| 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.
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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