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511 W Main St, Coldwater, OH, 45828

4beds
3baths
2,078sqft
$349,900
$168price/sqft
$2,409/moest. monthly cost
$96,360/yrincome needed

About This Home

Welcome to 511 W. Main Street in the heart of Coldwater! This beautifully updated 4-bedroom, 2 bathroom home offers the perfect blend of character, comfort, and functionality in the highly sought after Coldwater School District. Step inside to discover numerous updates throughout, including a spacious main floor primary suite and beautifully refreshed kitchen, dining, and living areas designed for everyday living and entertaining. With generous living space, there's plenty of room for family, guests, or a home office. Outside, you'll appreciate the convenience of a 2-car garage and a fully fenced backyard ideal for kids, pets, outdoor gatherings, or simply relaxing in your own private space. Located just minutes from schools, parks, and all the amenities Coldwater has to offer, this move-in-ready home combines modern updates with small town charm. Don't miss your opportunity to make 511 W. Main Street your next home schedule your private showing today! **NO SHOWINGS UNTIL AUGUST 8TH**

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

10/10
8/10
Coldwater Middle SchoolGrades 5-80.3 mi
6/10
Coldwater High SchoolGrades 9-120.3 mi

Construction

Condition

  • Year built: 1920

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Block,Concrete,Unfinished

Bathroom1

  • Level: Lower
  • Area: 132
  • Dimensions: 12.00 x 11.00

Bathroom2

  • Level: Second
  • Area: 66
  • Dimensions: 6.00 x 11.00

Bedroom2

  • Level: Second
  • Area: 192
  • Dimensions: 16.00 x 12.00

Bedroom3

  • Level: Second
  • Area: 99
  • Dimensions: 11.00 x 9.00

Bedroom4

  • Level: Second
  • Area: 208
  • Dimensions: 16.00 x 13.00

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Lower
  • Area: 224
  • Dimensions: 16.00 x 14.00

Family Room

  • Level: Lower
  • Area: 208
  • Dimensions: 16.00 x 13.00

Half Bathroom

  • Level: Lower
  • Area: 17.5
  • Dimensions: 3.50 x 5.00

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,078
  • Total interior livable area: 2,078 sqft

Kitchen

  • Level: Lower
  • Area: 169
  • Dimensions: 13.00 x 13.00

Master Bedroom

  • Level: Lower
  • Area: 196
  • Dimensions: 14.00 x 14.00

Other

  • Level: Lower
  • Area: 203
  • Dimensions: 29.00 x 7.00

Property

Details

  • Parcel number: 050745000000

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 7,405 sqft
  • Features: Residential Lot
  • Lot size dimensions: 57 x 132

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Hail
Strong Wind
Cold Wave
Earthquake
Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,769$21,228
Home Insurance *$133$1,596
Property Taxes $285$3,420
Electricity $222$2,674
Total$2,409$28,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,594/yr
40% on housing$72,270/yr
45% on housing$64,240/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.3%
0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 45828$154
Mercer County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 45828$170
Mercer County$157

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-30Listed for sale$349,900
2014-06-20Sold$154,000

For Sale by Agent

AgentJoshua Johnson
BrokerageGray Realty, LLC

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