Branch County property record for 138 S Centennial Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Lot Size | 21 acres (914,760 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $162,598 (Oct 2021) |
| Tax Bill | $4,369 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110-003-200-006-00 |
| Primary APN | 110-003-200-006-00 |
|---|
| Lot Area | 914,760 sqft (21 acres) |
|---|
| Street Address | 138 S CENTENNIAL RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-9498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 26 A OF SE 1/4 OF NE 1/4 EXC PAR 180 FT E & W BY 475 FT N&S IN SE COR, ALSO EXC BEG AT NE COR, TH W 493.41 FT, TH S 265.7 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | OVID |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 951000 |
Source: Branch County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 138 S CENTENNIAL RD, COLDWATER, MI 49036-9498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · Commercial Mortgage STURGIS BANK & TRUST CO |
| Dec 16, 2022 | Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC |
| Oct 4, 2021 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2021 · Amount on Record |
| Deed Sale | Oct 4, 2021 · Amount on Record |
| Deed Document Number | 20217527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 138 S CENTENNIAL RD, COLDWATER, MI 49036-9498 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 611 LEGG RD, COLDWATER, MI 49036-9489 |
| Document Number | 0202208116 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 2022-08116 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Dec 16, 2022 |
| Property Address | 138 S CENTENNIAL RD, COLDWATER, MI 49036-9498 |
| Document Number | 0202208125 |
| Instrument Date | Dec 14, 2022 |
| Instrument | 2022-08125 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE & ESCROW INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 138 S CENTENNIAL RD, COLDWATER, MI 49036-9498 |
| Document Number | 0202208126 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 2022-08126 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 12.3% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Oct 4, 2021 |
| Property Address | 138 S CENTENNIAL RD, COLDWATER, MI 49036-9498 |
| Document Number | 202107527 |
| Instrument Date | Sep 23, 2021 |
| Instrument | 2021-07527 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14221 DALLAS PKWY STE 1000, 1000, DALLAS, TX 75254-2946 |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Ovid Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $195,477 (-0.67%) | $390,954 (-0.67%) | |
| 2025 | $4,369.00 (+2.63%) | $196,803 | $393,606 |
| 2024 | $4,257.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (2007–2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2008 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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