908 Opal Dr, Coldwater, OH 45828 Property Records

Mercer County property record for 908 Opal Dr, Coldwater, OH 45828 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,557 sqft · built 1990
Lot Size	0.299 acres (13,064 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Dec 2017)
Tax Bill	$4,527 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-172400.0000`

Property Details

APN / Parcel Number

Primary APN	`05-172400.0000`
Alternative APN	`08-28-176-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,557 sqft Living Area
Basement Area	1,546 sqft
Unfinished Basement	1,546 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	13,064 sqft (0.299 acres)
Lot Dimensions	142 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	908 OPAL DR
City	COLDWATER
State	OH
Zip	45828-1060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTVIEW SECOND ADD LOT#: 1316
Legal Subdivision	WESTVIEW SECOND ADD
Legal Lot Number	1316
Jurisdiction	MERCER OH
Township / Civil Division	BUTLER
Census Block Group	3
Census Block	3008
Census Tract	967700

Owner

Source: Mercer County records · APN 05-172400.0000

Assessment roll updated February 27, 2026 · Last verified July 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 File
Mailing Address	908 OPAL DR, COLDWATER, OH 45828-1060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK CO
May 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO
Dec 14, 2017	Survivorship Deed, Transfer · Conventional Mortgage THE PEOPLES BANK CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 14, 2017 · Amount on Record
Deed Sale	Dec 14, 2017 · Amount on Record
Prior Sale	Sep 05, 1989 · Amount on Record
Deed Document Number	20175876
Prior Transfer Date	Sep 15, 2014
Prior Transfer Doc	0000004119
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	908 OPAL DR, COLDWATER, OH 45828-1060
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 OPAL DR, COLDWATER, OH 45828-1060

Mortgage

Document Number	202300000232
Date	Jan 24, 2023
Instrument	202300000232

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	908 OPAL DR, COLDWATER, OH 45828-1060
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002234
Date	May 04, 2020
Instrument	202000002234

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	384 Months
Due	May 01, 2052

December 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Dec 14, 2017
Property Address	908 OPAL DR, COLDWATER, OH 45828-1060
Document Number	201700005876
Map Reference	CAB1 PG105&106
Instrument Date	Dec 11, 2017
Instrument	201700005876
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	OH 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 OPAL DR, COLDWATER, OH 45828-1060

Mortgage

Document Number	201700005877
Date	Dec 14, 2017
Instrument	201700005877

Lender

Name	THE PEOPLES BANK CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Mercer County records · Assessment roll updated February 27, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,527.00	$132,760 (-) Land $13,900 Building $118,860
2024	$4,527.00 (+1.82%)	$132,760 (-) Land $13,900 Building $118,860
2023	$4,446.00 (+11.07%)	$132,760 (+24.81%) Land $13,900 Building $118,860	$379,300 (+24.81%) Land $39,700 Building $339,600
2022	$4,003.00	$106,370 Land $10,990 Building $95,380
2020			$303,900 Land $31,400 Building $272,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mercer County (39107C), updated May 16, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391079677003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	2 (1980–1989)
Most Recent Claim	May 1989, river or lake flooding, Severe Storms & Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 273 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wabash Mutual Telephone Company	Fiber	2,000 / 2,000
New Knoxville Telephone Company/GoldStar Communications	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20
Wabash Mutual Telephone Company	Fixed Wireless (unlicensed)	100 / 25
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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