161 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 161 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,248 sqft · built 2003
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (Mar 2020)
Tax Bill	$2,313 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Mar 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-343-98`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-343-98`

Interior

Full Baths	2 Baths
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Modular
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	161 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POR OF VAC GIRARD ST F V SMITHS ADDN TO CITY OF COLDWATER IN S 1/2 SEC 15 T6S R6W COM AT IRON RD AT NE COR LOT 14 BLK 13 SD F
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	POR OF VAC GIRARD ST F V SMITHS ADD
Legal Block	13-14
Legal Lot Number	11,14
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1008
Census Tract	951400

Owner

Source: Branch County records, as of July 13, 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	161 SMITH ST, COLDWATER, MI 49036-1535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 12, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Mar 12, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 12, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 12, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2020 · Amount on Record
Deed Sale	Mar 12, 2020 · Amount on Record
Prior Sale	Feb 3, 2003 · Amount on Record
Deed Document Number	20201516
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	161 SMITH ST, COLDWATER, MI 49036-1535
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 SMITH ST, COLDWATER, MI 49036-1535

Mortgage

Document Number	0202205668
Date	Aug 22, 2022
Instrument	2022-05668

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Mar 12, 2020
Property Address	161 SMITH ST, COLDWATER, MI 49036-1535
Document Number	202001516
Instrument Date	Mar 5, 2020
Instrument	2020-01516
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1509 E CHICAGO RD, 1509, STURGIS, MI 49091-1991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 S JEFFERSON ST, COLDWATER, MI 49036-1953

Mortgage

Document Number	202001517
Date	Mar 12, 2020
Instrument	2020-01517

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Mar 12, 2020
Property Address	161 SMITH ST, COLDWATER, MI 49036-1535
Document Number	202001515
Instrument Date	Nov 5, 2019
Instrument	2020-01515
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29218 US HWY 21, 29218, NILES, MI 49120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 E CHICAGO RD, STURGIS, MI 49091-1991

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Mar 12, 2020
Property Address	161 SMITH ST, COLDWATER, MI 49036-1535
Document Number	202001514
Instrument Date	Jul 29, 2019
Instrument	2020-01514
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 SMITH ST, 161, COLDWATER, MI 49036-1535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 E CHICAGO RD, STURGIS, MI 49091-1991

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Mar 12, 2020
Property Address	161 SMITH ST, COLDWATER, MI 49036-1535
Document Number	202001513
Instrument Date	Dec 27, 2004
Instrument	2020-01513
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 MARSHALL ST, 322, COLDWATER, MI 49036-1116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 E CNINYO ST, STURGIS, MI 49091

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		$83,750 (+28.95%)	$167,500 (+28.95%)
2025	$2,313.00 (+3.68%)	$64,950	$129,900
2024	$2,231.00

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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