Branch County property record for 113 Division St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,908 sqft |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,498 (Jan 2013) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 301-000-000-440-00 |
| Primary APN | 301-000-000-440-00 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Building Area | 3,908 sqft Building Perimeter |
| 1st Floor Area | 1,898 sqft |
| Basement Area | 1,898 sqft |
| Unfinished Basement | 1,898 sqft |
| Lot Area | 10,019 sqft (0.23 acres) |
|---|---|
| Garage Area | 882 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 113 DIVISION ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-2908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 1/2 OF FOL LOT 3 UNRECD PLAT O B CLARKS ADD COM ON E LI DIVISION ST 13 RDS SLY FR S LI WASHINGTON ST TH SLY 6 RDS TH ELY AT |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 21 |
| Legal Subdivision | O B CLARKS ADD |
| Legal Lot Number | 3 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 951400 |
113 Division St is owned by a company that bought it in January 2013.
Source: Branch County records, as of July 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 336 E GARFIELD RD, COLDWATER, MI 49036-9109 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 23, 2024 | Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN MICHIGAN BANK & TRUST |
| Oct 30, 2025 | Quit Claim Deed, Transfer · Line of Credit SOUTHERN MICHIGAN BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 25, 2013 · Amount on File |
| Deed Sale | Jan 25, 2013 · Amount on File |
| Prior Sale | May 18, 2009 · Amount on File |
| Deed Document Number | 2013593 |
| Prior Transfer Date | Dec 27, 2012 |
| Prior Transfer Doc | 0201300593 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 113 DIVISION ST, COLDWATER, MI 49036-2908 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 336 E GARFIELD AVE, COLDWATER, MI 49036-9109 |
| Document Number | 0202405642 |
|---|---|
| Date | Oct 23, 2024 |
| Instrument | 2024-05642 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | 51 W PEARL ST, COLDWATER, MI 49036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Oct 30, 2025 |
| Property Address | 113 DIVISION ST, COLDWATER, MI 49036-2908 |
| Document Number | 0202506471 |
| Instrument Date | Oct 29, 2025 |
| Instrument | 2025-06471 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Title Company | BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 336 E GARFIELD RD, COLDWATER, MI 49036-9109 |
| Name | Verified Name |
|---|---|
| Address | 336 E GARFIELD RD, COLDWATER, MI 49036-9109 |
| Document Number | 0202506472 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 2025-06472 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 113 Division St was $1,921, up 3.5% from the year before.
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $86,050 (+6.17%) | $172,100 (+6.17%) | |
| 2025 | $1,921.00 (+3.5%) | $81,050 | $162,100 |
| 2024 | $1,856.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 113 Division St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 19, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 113 Division St 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 serves 13,822 people · EPA ID MI0001500 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2021 |
| Lead | 9 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Coldwater Board of Public Utilities Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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