Branch County property record for 176 Smith St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,255 sqft · built 1982 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Oct 2025) |
| Tax Bill | $2,380 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Feb 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-000-000-501-09 |
| Primary APN | 302-000-000-501-09 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,255 sqft Living Area |
| 1st Floor Area | 1,255 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 345 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 176 SMITH ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 & W 8.25 FT OF LOT 10 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 | 9-10 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 951400 |
Source: Branch County records, as of August 14, 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 | 951 OLDS RD, UNION CITY, MI 49094-9411 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2025 | Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Feb 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2025 · Amount on Record |
| Deed Sale | Oct 10, 2025 · Amount on Record |
| Prior Sale | Nov 16, 2009 · Amount on Record |
| Deed Document Number | 20256087 |
| Prior Transfer Date | Nov 9, 2009 |
| Prior Transfer Doc | 0000008003 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Oct 10, 2025 |
| Property Address | 176 SMITH ST, COLDWATER, MI 49036-1536 |
| Document Number | 0202506087 |
| Map Reference | LB 2 PG 11 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 2025-06087 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Title Company | DEVON TITLE COMPANY, DEVON TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 176 SMITH ST, COLDWATER, MI 49036-1536 |
| Name | Verified Name |
|---|---|
| Address | 951 OLDS RD, UNION CITY, MI 49094-9411 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 176 SMITH ST, COLDWATER, MI 49036-1536 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 176 SMITH ST, COLDWATER, MI 49036-1536 |
| Document Number | 0202300553 |
|---|---|
| Date | Feb 2, 2023 |
| Instrument | 2023-00553 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2038 |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $95,100 (+30.72%) | $190,200 (+30.72%) | |
| 2025 | $2,380.00 (+3.66%) | $72,750 | $145,500 |
| 2024 | $2,296.00 |
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.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures