118 Henry St, Coldwater, MI 49036 Property Records

Branch County property record for 118 Henry St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,437 sqft · built 1915
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$106,500 (Feb 2021)
Tax Bill	$2,518 (2025)
Deeds & Mortgages	Oct 2022 Transfer Feb 2021 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-495-00`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-495-00`

Interior

Full Baths	1 Bath
Building Area	1,437 sqft Building Perimeter
1st Floor Area	1,037 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	13,939 sqft (0.32 acres)
Garage Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 HENRY ST
City	COLDWATER
State	MI
Zip	49036-1241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 RDS 6 FT OFF W SI LOT 2 HAMILTONS ADDN SEC 16 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	16
Legal Subdivision	HAMILTONS ADD
Legal Lot Number	2
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3010
Census Tract	951600

Owner

118 Henry St is owned and occupied by an individual who acquired it in July 2024.

Source: Branch County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	118 HENRY ST, COLDWATER, MI 49036-1241
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Intrafamily Transfer, Transfer
Feb 23, 2021	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
May 28, 2020	Deed, Transfer OAK TITLE SERVICES LLC
Jan 15, 2020	Warranty Deed, Foreclosure
Nov 18, 2019	Quit Claim Deed, Foreclosure Quitclaim
Aug 12, 2019	Warranty Deed, Transfer
Feb 22, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2021 · Amount on File
Deed Sale	Feb 23, 2021 · Amount on File
Prior Sale	Feb 22, 2018 · Amount on File
Deed Document Number	20211277
Last Transfer Date	Jul 20, 2024
Transfer Doc	0202403908
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Oct 26, 2022
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	0202207140
Instrument Date	Sep 16, 2022
Instrument	2022-07140
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4024 LAKE CREST CIR # CIR2A, 4024, KALAMAZOO, MI 49048-7617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 HENRY STRET, COLDWATER, MI 49036-1241

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 23, 2021
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	202101277
Instrument Date	Oct 9, 2020
Instrument	2021-01277
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	OAK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$807.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 HENRY ST, 118, COLDWATER, MI 49036-1241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 HENRY ST, COLDWATER, MI 49036-1241

Mortgage

Document Number	202101278
Date	Feb 23, 2021
Instrument	2021-01278

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	Jan 1, 2050

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BRANCH MI
Recording Date	May 28, 2020
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	202003412
Instrument Date	May 19, 2020
Instrument	2020-03412
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	OAK TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 E PENN SQ, 100, PHILADELPHIA, PA 19107-3323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 WILSON AVE, STURGIS, MI 49091-2299

January 2020: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 15, 2020
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	202000285
Instrument Date	Dec 5, 2019
Instrument	2020-00285
Transaction Type	Foreclosure
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 POLARIS PKWY, 1111, COLUMBUS, OH 43240-2031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

November 2019: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Nov 18, 2019
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	201907306
Instrument Date	Oct 29, 2019
Instrument	2019-07306
Transaction Type	Foreclosure
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 7TH ST SW, 451, WASHINGTON, DC 20410-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8181 COMMUNICATIONS PKWY # 6, 6, PLANO, TX 75024-5993

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Aug 12, 2019
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	201905110
Instrument Date	Aug 22, 2018
Instrument	2019-05110
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 POLARIS PGWY, 1111, COLUMBUS, OH 43240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

February 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 22, 2018
Property Address	118 HENRY ST, COLDWATER, MI 49036-1241
Document Number	201801138
Instrument Date	Feb 15, 2018
Instrument	2018-01138
Transaction Type	Foreclosure
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3415 VISION DR, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 118 Henry St was $2,518, up 3.7% from the year before.

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
Municipality	Coldwater City
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,600 (+1.46%)	$187,200 (+1.46%)
2025	$2,518.00 (+3.66%)	$92,250	$184,500
2024	$2,429.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 Henry 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.

Wildfire

The area around 118 Henry 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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