148 Cutter Ave, Coldwater, MI 49036 Property Records

Branch County property record for 148 Cutter Ave, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,168 sqft · built 1900
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (May 2023)
Tax Bill	$1,667 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-526-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-526-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,168 sqft Building Perimeter
1st Floor Area	784 sqft
Basement Area	200 sqft
Unfinished Basement	200 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	18,295 sqft (0.42 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Street Address	148 CUTTER AVE
City	COLDWATER
State	MI
Zip	49036-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 58 CUTTER ADDN SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	CUTTER ADD
Legal Lot Number	58
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1017
Census Tract	951400

Owner

148 Cutter Ave is owned by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	141 S JEFFERSON ST, COLDWATER, MI 49036-1951
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
May 15, 2023	Warranty Deed, Transfer · Commercial Mortgage UIF CORPORATION
Feb 8, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Prior Sale	Feb 8, 2018 · Amount on File
Deed Document Number	20232678
Prior Transfer Date	Sep 30, 1996
Prior Transfer Doc	0677000517
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 15, 2023
Property Address	148 CUTTER AVE, COLDWATER, MI 49036-1516
Document Number	0202302678
Map Reference	LB 1 PG 37
Instrument Date	May 11, 2023
Instrument	2023-02678
Transaction Type	Transfer
Record Updated	Jun 5, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 CUTTER AVE, COLDWATER, MI 49036-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 S JEFFERSON ST, COLDWATER, MI 49036-1951

Mortgage

Document Number	0202302679
Date	May 15, 2023
Instrument	2023-02679

Lender

Name	UIF CORPORATION
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2038

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 8, 2018
Property Address	148 CUTTER AVE, COLDWATER, MI 49036-1516
Document Number	201800846
Map Reference	LB1 PG37
Instrument Date	Feb 7, 2018
Instrument	2018-00846
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 CUTTER AVE, 148, COLDWATER, MI 49036-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	956 WHALEY RD, COLDWATER, MI 49036-9021

Mortgage

Document Number	201800847
Date	Feb 8, 2018
Instrument	2018-00847

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 148 Cutter Ave was $1,667, down 1.5% 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		$74,300 (+79.04%)	$148,600 (+79.04%)
2025	$1,667.00 (-1.54%)	$41,500	$83,000
2024	$1,693.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 148 Cutter Ave 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

The area around 148 Cutter Ave 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 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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