812 Emerald Ave, Coldwater, OH 45828 Property Records

Mercer County property record for 812 Emerald Ave, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,400 sqft · built 1988
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-169000.0000`

Property Details

APN / Parcel Number

Primary APN	`05-169000.0000`
Alternative APN	`08-28-178-017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
Basement Area	1,400 sqft
Finished Basement	1,400 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	812 EMERALD AVE
City	COLDWATER
State	OH
Zip	45828-1054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTVIEW FIRST ADD RTS: 000-00-00 LOT#: 1282
Legal Subdivision	WESTVIEW FIRST ADD
Legal Lot Number	1282
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	Individual Name on Record
Mailing Address	812 EMERALD AVE, COLDWATER, OH 45828-1054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO
Jan 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 6, 2007
Transfer Doc	0000005671
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	812 EMERALD AVE, COLDWATER, OH 45828-1054
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 EMERALD AVE, COLDWATER, OH 45828-1054

Mortgage

Document Number	202200001287
Date	Mar 16, 2022
Instrument	202200001287

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	812 EMERALD AVE, COLDWATER, OH 45828-1054
Transaction Type	Mortgage
Record Updated	Feb 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201800000478
Date	Jan 31, 2018
Instrument	201800000478

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$2,891.00	$84,780 (-) Land $14,950 Building $69,830
2024	$2,891.00 (+1.83%)	$84,780 (-) Land $14,950 Building $69,830
2023	$2,839.00 (+9.23%)	$84,780 (+22.76%) Land $14,950 Building $69,830	$242,200 (+22.76%) Land $42,700 Building $199,500
2022	$2,599.00	$69,060 Land $11,800 Building $57,260
2020			$197,300 Land $33,700 Building $163,600

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	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.

Nearby Properties on Emerald Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures