146 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 146 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,032 sqft · built 1982
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,200 (May 2017)
Tax Bill	$2,322 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-501-04`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-501-04`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Lot Area	13,504 sqft (0.31 acres)
Garage Area	1,152 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	146 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 17 F V SMITH ADDN SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	F V SMITH ADD
Legal Block	17
Legal Lot Number	4
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1015
Census Tract	951400

Owner

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	2 Individual Names on Record
Mailing Address	146 SMITH ST, COLDWATER, MI 49036-1536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
May 25, 2021	Intrafamily Transfer, Transfer
May 10, 2017	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2017 · Amount on Record
Deed Sale	May 10, 2017 · Amount on Record
Prior Sale	Nov 24, 2010 · Amount on Record
Deed Document Number	20173422
Prior Transfer Date	May 8, 2017
Prior Transfer Doc	201703422
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	146 SMITH ST, COLDWATER, MI 49036-1536
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202101282
Date	Feb 23, 2021
Instrument	2021-01282

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	May 25, 2021
Property Address	146 SMITH ST, COLDWATER, MI 49036-1536
Document Number	202104243
Map Reference	LB 2 PG 11
Instrument Date	May 19, 2021
Instrument	2021-04243
Transaction Type	Transfer
Record Updated	Jun 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 SMITH ST, COLDWATER, MI 49036-1536

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 10, 2017
Property Address	146 SMITH ST, COLDWATER, MI 49036-1536
Document Number	201703422
Map Reference	LB2 PG11
Instrument Date	May 8, 2017
Instrument	2017-03422
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$726.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 SMITH ST, 146, COLDWATER, MI 49036-1536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 W STATE ST, COLDWATER, MI 49036-1080

Mortgage

Document Number	201703423
Date	May 10, 2017
Instrument	2017-03423

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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		$87,400 (+29.48%)	$174,800 (+29.48%)
2025	$2,322.00 (+3.71%)	$67,500	$135,000
2024	$2,239.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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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