Understanding the dynamics of soil water content (SWC) is essential for effective land management, particularly in regions affected by underground mining. This study investigates the spatial and temporal patterns of SWC and its interaction with topographic and edaphic factors in coal mining and non-coal mining areas of the Chenghe watershed, located in the southeast of the Chinese Loess Plateau, which is divided by a river. Our findings revealed that the capacity to retain moisture in the top layer of coal mining areas is significantly higher (25.21%) compared to non-coal mining areas, although deeper layers exhibit lower SWC, indicating altered moisture dynamics due to underground mining disturbances. Coal mining areas show greater spatial and temporal variability in SWC, suggesting increased sensitivity to moisture fluctuations, which complicates water management practices. Additionally, underground mining activities introduce more intense effects on the relationship between SWC and topographic factors (i.e., GCVR across soil profile of 0–60 cm; slope at depth of 50 cm) or edaphic factors (i.e., soil organic matter and available potassium at depth of 30 cm; pH at depth of 50 cm) compared to non-coal mining areas. This variability is evident in the temporal shifts from positive to negative correlations, particularly in coal mining areas, reflecting modifications in both soil physical and chemical properties resulting from mining activities. In contrast, non-coal mining areas maintain a more stable moisture regime, likely due to preserved natural soil structures and processes. These contrasting findings emphasize the necessity for tailored management strategies in coal mining regions to address the unique challenges posed by altered soil characteristics and water dynamics.