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Single Family ResidenceResidential
$513,041$204 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $97,142 on Mar 23, 2005

1004 RUBY LN

COLDWATER, OH 45828
2
Beds
3.5
Baths
2,515 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$513K
$413K low$613K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$97,142 · Mar 23, 2005
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$305,435
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$244,348
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.38%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$207,606
THE PEOPLES BANK CO · recorded Nov 6, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,505 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$165,340 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,920
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$147,420
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$472,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
74
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMERCER
Lot (acres)The size of the land the home sits on, from county records.0.39
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Coldwater Elementary SchoolA+
Elementary · Grades KG–4 · 0.9 mi
M
Coldwater Middle SchoolA
Middle · Grades 5–8 · 0.9 mi
H
Coldwater High SchoolB-
High · Grades 9–12 · 0.9 mi

District: Coldwater Exempted Village School District

Neighborhood · ZIP 45828These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.214
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.74

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.6,364
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.192 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,899
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,924
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1004 Ruby Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 91% of homes in Mercer County
  • Costs more per square foot than 71% of homes in Mercer County
  • Bigger than 91% of homes in Mercer County
  • Has a bigger lot than 70% of homes in Coldwater 45828
  • Newer than 83% of homes in Coldwater 45828

What homes are worth in Coldwater 45828

Each bar is how many homes fall in that price range. The marker is this home.

This home
$122K$778K

This home is worth more than 89% of homes in Coldwater 45828.

How it measures up in Coldwater 45828

The dot is this home. The mark in the middle is the typical home in Coldwater 45828.

Estimated value$513,041
CheaperTypical $271,491Pricier

Pricier than 89% of homes nearby

Price per ft²$204
CheaperTypical $180Pricier

Pricier than 67% of homes nearby

Living area2,515 ft²
SmallerTypical 1,610 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.39 ac
SmallerTypical 0.25 acBigger

Bigger than 70% of homes nearby

Year built1996
OlderTypical 1969Newer

Newer than 83% of homes nearby

How 1004 Ruby Ln ranks against every home in each area.
MeasureThis homeColdwater 45828Mercer County
Estimated valuepricier than$513,04189% of homes91% of homes
Price per ft²pricier than$20467% of homes71% of homes
Living areabigger than2,515 ft²90% of homes91% of homes
Lot sizebigger than0.39 ac70% of homes58% of homes
Year builtnewer than199683% of homes79% of homes

About 1004 Ruby Ln

How much is 1004 Ruby Ln, Coldwater, OH worth?

The TopHap Estimate for 1004 Ruby Ln, Coldwater, OH is $513,041 as of Jul 14, 2026. The likely range is $412,845 to $613,237. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1004 Ruby Ln, Coldwater, OH last sell?

1004 Ruby Ln, Coldwater, OH last sold on Mar 23, 2005 for $97,142, according to the county's recorded deed.

How big is 1004 Ruby Ln, Coldwater, OH?

1004 Ruby Ln, Coldwater, OH has 2 bedrooms, 3.5 bathrooms, 2,515 square feet of living space and a 0.39-acre lot.

When was 1004 Ruby Ln, Coldwater, OH built?

1004 Ruby Ln, Coldwater, OH was built in 1996, making it 30 years old. The building has 1 story.

What schools serve 1004 Ruby Ln, Coldwater, OH?

1004 Ruby Ln, Coldwater, OH is assigned to Coldwater Elementary School (elementary), rated A+; Coldwater Middle School (middle), rated A; Coldwater High School (high), rated B-. All sit in Coldwater Exempted Village School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1004 Ruby Ln, Coldwater, OH compare to other homes in Coldwater 45828?

Among the 2,189 homes in Coldwater 45828, it is worth more than 89% of them ($513,041 against a typical $271,491), its price per square foot is higher than 67% of them ($204 against a typical $180), it is bigger than 90% of them (2,515 ft² against a typical 1,610 ft²), its lot is bigger than 70% of them (0.39 ac against a typical 0.25 ac) and it is newer than 83% of them (1996 against a typical 1969). Measured against all of Mercer County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1004 Ruby Ln, Coldwater, OH?

The 2025 property tax bill for 1004 Ruby Ln, Coldwater, OH was $5,505. The county assessed it at $165,340.

Closest homes

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Assigned schools

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