Branch County property record for 118 Smith St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,537 sqft |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $47,500 (Nov 2007) |
| Tax Bill | $2,856 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-000-000-447-00 |
| Primary APN | 302-000-000-447-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,537 sqft Building Perimeter |
| 1st Floor Area | 965 sqft |
| Basement Area | 763 sqft |
| Unfinished Basement | 763 sqft |
| Lot Area | 14,810 sqft (0.34 acres) |
|---|---|
| Garage Area | 576 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 118 SMITH ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 BLK 18 F V SMITH ADDN EXC W 90 FT THEREOF |
| Legal Subdivision | F V SMITH ADD |
| Legal Block | 18 |
| Legal Lot Number | 12 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 951400 |
118 Smith St is owned by an individual who acquired it in August 2021.
Source: Branch County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 668 WOODCHUCK DR, COLDWATER, MI 49036-8330 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2007 · Amount on File |
| Deed Sale | Nov 5, 2007 · Amount on File |
| Prior Sale | Sep 1, 1975 · Amount on File |
| Deed Document Number | 20078286 |
| Last Transfer Date | Aug 9, 2021 |
| Transfer Doc | 202106224 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Aug 10, 2021 |
| Property Address | 118 SMITH ST, COLDWATER, MI 49036-1534 |
| Document Number | 202106224 |
| Map Reference | LB 2 PG 11 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 2021-06224 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 668 WOODCHUCK PT, COLDWATER, MI 49036-8330 |
| Document Number | 202106225 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 2021-06225 |
| Name | MARSHALL COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
The 2025 property tax bill for 118 Smith St was $2,856, 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 | $78,500 (-0.7%) | $157,000 (-0.7%) | |
| 2025 | $2,856.00 (+3.52%) | $79,050 | $158,100 |
| 2024 | $2,759.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Smith St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 19, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 118 Smith St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 472 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 | 1,000 / 1,000 |
May also be available: Verizon.
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