815 Emerald Ave, Coldwater, OH 45828 Property Records

Mercer County property record for 815 Emerald Ave, Coldwater, OH 45828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,401 sqft · built 1989
Lot Size	0.273 acres (11,900 sqft)
Owner	2 Individual Names on File
Last Sale	$120,600 (Jun 1993)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Nov 2008 Line of Credit Jan 2011 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-167600.0000`

Property Details

APN / Parcel Number

Primary APN	`05-167600.0000`
Alternative APN	`08-28-179-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,401 sqft Living Area
Basement Area	1,401 sqft
Finished Basement	1,401 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	11,900 sqft (0.273 acres)
Lot Dimensions	140 ft deep x 85 ft wide
Garage Type	Attached

Location & Zoning

Street Address	815 EMERALD AVE
City	COLDWATER
State	OH
Zip	45828-1055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTVIEW FIRST ADD RTS: 000-00-00 LOT#: 1268
Legal Subdivision	WESTVIEW FIRST ADD
Legal Lot Number	1268
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	815 EMERALD AVE, COLDWATER, OH 45828-1055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2008	Deed of Trust, Mortgage · Line of Credit SECOND NATIONAL BANK
Jan 5, 2011	Deed of Trust, Mortgage · Conventional Mortgage SECOND NATIONAL BANK
Aug 4, 2008	Deed of Trust, Mortgage · Line of Credit SECOND NATIONAL BANK
Nov 22, 2024	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 1993 · Amount on File
Deed Sale	Jun 1, 1993 · Amount on File
Last Transfer Date	Nov 22, 2024
Transfer Doc	0000004423
Record Updated	Sep 20, 2026

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	815 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800006335
Date	Nov 20, 2008
Instrument	200800006335

Lender

Name	SECOND NATIONAL BANK
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 16, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	815 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100000085
Date	Jan 5, 2011
Instrument	201100000085

Lender

Name	SECOND NATIONAL BANK
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2026

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	815 EMERALD AVE, COLDWATER, OH 45828-1055
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800004543
Date	Aug 4, 2008
Instrument	200800004543

Lender

Name	SECOND NATIONAL BANK
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 16, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MERCER OH
Recording Date	Nov 22, 2024
Property Address	815 EMERALD AVE, COLDWATER, OH 45828-1055
Document Number	202400004423
Map Reference	CAB 1 PG 56&57
Instrument Date	Nov 21, 2024
Instrument	202400004423
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
Address	815 EMERALD AVE, COLDWATER, OH 45828-1055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 EMERALD AVE, COLDWATER, OH 45828-1055

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	$2,774.00	$83,340 (-) Land $12,710 Building $70,630
2024	$2,774.00 (+1.91%)	$83,340 (-) Land $12,710 Building $70,630
2023	$2,722.00 (+12.67%)	$83,340 (+26.71%) Land $12,710 Building $70,630	$238,100 (+26.72%) Land $36,300 Building $201,800
2022	$2,416.00	$65,770 Land $10,050 Building $55,720
2020			$187,900 Land $28,700 Building $159,200

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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