157 Narrows Rd, Coldwater, MI 49036 Property Records

Branch County property record for 157 Narrows Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,583 sqft · built 1991
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Jul 2021)
Tax Bill	$2,235 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070-R11-000-001-00`

Property Details

APN / Parcel Number

Primary APN	`070-R11-000-001-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,583 sqft Living Area
1st Floor Area	1,583 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	150 ft deep x 113 ft wide
Garage Area	408 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	157 NARROWS RD
City	COLDWATER
State	MI
Zip	49036-8246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 1 RANDALLS COVE NO 2 PLAT SEC 5 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	05
Legal Subdivision	RANDALLS COVE #2
Legal Lot Number	1
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2017
Census Tract	951302

Owner

Source: Branch County records · APN 070-R11-000-001-00

Assessment roll updated July 7, 2026 · Last verified July 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 File
Mailing Address	157 NARROWS RD, COLDWATER, MI 49036-8246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Dec 13, 2016 · Amount on Record
Deed Document Number	20215534
Prior Transfer Date	Sep 30, 2005
Prior Transfer Doc	0000008719
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 13, 2021
Property Address	157 NARROWS RD, COLDWATER, MI 49036-8246
Document Number	202105534
Map Reference	MB 05 PG 21
Instrument Date	Jul 08, 2021
Instrument	2021-05534
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,530.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 NARROWS RD, 157, COLDWATER, MI 49036-8246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SAUK BLVD APT F102, F102, COLDWATER, MI 49036-8871

Mortgage

Document Number	202105535
Date	Jul 13, 2021
Instrument	2021-05535

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	157 NARROWS RD, COLDWATER, MI 49036-8246
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202006167
Date	Sep 17, 2020
Instrument	2020-06167

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Coldwater Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,300 (+10.08%)	$220,600 (+10.08%)
2025	$2,235.00 (+2.66%)	$100,200	$200,400
2024	$2,177.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Coldwater Board of Public Utilities, Frontier, Verizon.

Based on FCC filings for 107 locations within half a mile of this property.

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