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Single Family ResidenceResidential
$264,311$117 / 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 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $33,120 on Apr 6, 2007

649 RAY DR

COLDWATER, OH 45828
3
Beds
2.5
Baths
2,265 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
2009
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$264K
$219K low$310K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$33,120 · Apr 6, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,418 (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.$162,750 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,310
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$139,440
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$465,000

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.33
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
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.
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.0.40
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(1)

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 · 0.6 mi
M
Coldwater Middle SchoolA
Middle · Grades 5–8 · 0.6 mi
H
Coldwater High SchoolB-
High · Grades 9–12 · 0.6 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%

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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

649 Ray Dr 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.

  • Costs less per square foot than 92% of homes in Coldwater 45828
  • Bigger than 85% of homes in Mercer County
  • Has a bigger lot than 72% of homes in Coldwater 45828
  • Newer than 93% 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
$125K$729K

This home is worth more than 44% 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$264,311
CheaperTypical $277,623Pricier

Pricier than 44% of homes nearby

Price per ft²$117
CheaperTypical $188Pricier

Pricier than 8% of homes nearby

Living area2,265 ft²
SmallerTypical 1,610 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.4 ac
SmallerTypical 0.25 acBigger

Bigger than 72% of homes nearby

Year built2009
OlderTypical 1970Newer

Newer than 93% of homes nearby

How 649 Ray Dr ranks against every home in each area.
MeasureThis homeColdwater 45828Mercer County
Estimated valuepricier than$264,31144% of homes50% of homes
Price per ft²pricier than$1178% of homes16% of homes
Living areabigger than2,265 ft²84% of homes85% of homes
Lot sizebigger than0.4 ac72% of homes59% of homes
Year builtnewer than200993% of homes93% of homes

About 649 Ray Dr

How much is 649 Ray Dr, Coldwater, OH worth?

The TopHap Estimate for 649 Ray Dr, Coldwater, OH is $264,311 as of Sep 24, 2026. The likely range is $219,044 to $309,578. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 649 Ray Dr, Coldwater, OH last sell?

649 Ray Dr, Coldwater, OH last sold on Apr 6, 2007 for $33,120, according to the county's recorded deed.

How big is 649 Ray Dr, Coldwater, OH?

649 Ray Dr, Coldwater, OH has 3 bedrooms, 2.5 bathrooms, 2,265 square feet of living space and a 0.40-acre lot.

When was 649 Ray Dr, Coldwater, OH built?

649 Ray Dr, Coldwater, OH was built in 2009, making it 17 years old. The building has 1 story.

What schools serve 649 Ray Dr, Coldwater, OH?

649 Ray Dr, 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 649 Ray Dr, Coldwater, OH compare to other homes in Coldwater 45828?

Among the 2,189 homes in Coldwater 45828, it is worth more than 44% of them ($264,311 against a typical $277,623), its price per square foot is higher than 8% of them ($117 against a typical $188), it is bigger than 84% of them (2,265 ft² against a typical 1,610 ft²), its lot is bigger than 72% of them (0.4 ac against a typical 0.25 ac) and it is newer than 93% of them (2009 against a typical 1970). Measured against all of Mercer County, it is worth more than 50% 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 649 Ray Dr, Coldwater, OH?

The 2025 property tax bill for 649 Ray Dr, Coldwater, OH was $5,418. The county assessed it at $162,750.

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