12 Park St, Coldwater, MI 49036 Property Records

Branch County property record for 12 Park St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,260 sqft · built 1955
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$139,500 (Jan 2016)
Tax Bill	$2,794 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-793-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-793-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,260 sqft Building Perimeter
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	13,504 sqft (0.31 acres)
Garage Area	832 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12 PARK ST
City	COLDWATER
State	MI
Zip	49036-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 SEELEY PARK ADDN IN SEC 15 & 22 T6S R6W
Legal Subdivision	SEELEY PARK ADD
Legal Lot Number	11
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2016
Census Tract	951400

Owner

12 Park St is owned and occupied by two individuals who bought it in January 2016.

Source: Branch County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 PARK ST, COLDWATER, MI 49036-1719
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
Sep 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage HONOR CREDIT UNION
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2016 · Amount on File
Deed Sale	Jan 11, 2016 · Amount on File
Prior Sale	Apr 19, 2011 · Amount on File
Deed Document Number	2016218
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Sep 23, 2026
Property Address	12 PARK ST, COLDWATER, MI 49036-1719
Document Number	0000005949
Instrument Date	Aug 24, 2026
Instrument	20265949
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 PARK ST, COLDWATER, MI 49036-1719

Mortgage

Document Number	0000005949,
Date	Sep 23, 2026
Instrument	20265949

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2031

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	12 PARK ST, COLDWATER, MI 49036-1719
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 PARK ST, COLDWATER, MI 49036-1719

Mortgage

Document Number	0202107404
Date	Sep 29, 2021
Instrument	2021-07404

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12 Park St was $2,794, 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		$107,950 (+11.06%)	$215,900 (+11.06%)
2025	$2,794.00 (+3.67%)	$97,200	$194,400
2024	$2,695.00

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

Flood

FEMA maps place 12 Park 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 12 Park 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 224 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

May also be available: Verizon.

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