Mercer County property record for 916 Opal Dr, Coldwater, OH 45828
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,423 sqft · built 1991 |
| Lot Size | 0.33 acres (14,400 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $17,000 (Mar 1991) |
| Tax Bill | $4,362 (2025) |
| Deeds & Mortgages | May 2026 Transfer Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-172200.0000 |
| Primary APN | 05-172200.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,423 sqft Living Area |
| Basement Area | 1,305 sqft |
| Finished Basement | 1,305 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 14,400 sqft (0.33 acres) |
| Lot Dimensions | 160 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 916 OPAL DR |
|---|---|
| City | COLDWATER |
| State | OH |
| Zip | 45828-1060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTVIEW SECOND ADD RTS: 000-00-00 LOT#: 1314 |
| Legal Subdivision | WESTVIEW SECOND ADD |
| Legal Lot Number | 1314 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | BUTLER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 967700 |
916 Opal Dr is held in a trust since May 2026.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 916 OPAL DR, COLDWATER, OH 45828-1060 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 14, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 1991 · Amount on File |
| Deed Sale | Mar 28, 1991 · Amount on File |
| Last Transfer Date | May 8, 2026 |
| Transfer Doc | 0000002185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | May 14, 2026 |
| Property Address | 916 OPAL DR, COLDWATER, OH 45828-1060 |
| Document Number | 202600002185 |
| Instrument Date | May 8, 2026 |
| Instrument | 20262185 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 916 OPAL DR, COLDWATER, OH 45828-1060 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 916 OPAL DR, COLDWATER, OH 45828-1060 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100006601 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 202100006601 |
| Name | THE PEOPLES BANK CO |
|---|---|
| Type | Bank |
| Address | COLDWATER, OH 45828 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Adjustable | Adjustable Rate Rider |
|---|
The 2025 property tax bill for 916 Opal Dr was $4,362.
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 | $4,362.00 | $131,040 (-) Land $14,420 Building $116,620 | |
| 2024 | $4,362.00 (+1.92%) | $131,040 (-) Land $14,420 Building $116,620 | |
| 2023 | $4,280.00 (+11.98%) | $131,040 (+25.93%) Land $14,420 Building $116,620 | $374,400 Land $41,200 Building $333,200 |
| 2022 | $3,822.00 | $104,060 Land $11,380 Building $92,680 | |
| 2020 | $297,300 Land $32,500 Building $264,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 916 Opal Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
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.
The area around 916 Opal Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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