Branch County property record for 176 Walnut St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,741 sqft · built 1890 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Oct 2020) |
| Tax Bill | $2,417 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 304-000-000-200-00 |
| Primary APN | 304-000-000-200-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,741 sqft Building Perimeter |
| 1st Floor Area | 1,041 sqft |
| Basement Area | 354 sqft |
| Unfinished Basement | 354 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 576 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 176 WALNUT ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM 269.29 FT N OF N LI RACE ST TH W TO MILL RACE TH S ALG BANK OF SAME TO A PT DUE S OF A PT IN THE N LI OF SD LAND TH E TO |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 951600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 176 WALNUT ST, COLDWATER, MI 49036-1838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP |
| Nov 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP |
| Oct 2, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on Record |
| Deed Sale | Oct 2, 2020 · Amount on Record |
| Prior Sale | May 22, 1981 · Amount on Record |
| Deed Document Number | 20206677 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 176 WALNUT ST, COLDWATER, MI 49036-1838 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 176 WALNUT ST, COLDWATER, MI 49036-1838 |
| Document Number | 0202507500 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 2025-07500 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 14843 W SPRAGUE RD STE I, STRONGSVILLE, OH 44136 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 176 WALNUT ST, COLDWATER, MI 49036-1838 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 176 WALNUT ST, COLDWATER, MI 49036-1838 |
| Document Number | 0202306386 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023-06386 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Oct 2, 2020 |
| Property Address | 176 WALNUT ST, COLDWATER, MI 49036-1838 |
| Document Number | 202006677 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 2020-06677 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Title Company | BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,247.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 IYOPAWA RD, 540, COLDWATER, MI 49036-7727 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1481 N EDON RD, ALLEN, MI 49227-9551 |
| Document Number | 202006678 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 2020-06678 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
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 | $86,550 (+8.73%) | $173,100 (+8.73%) | |
| 2025 | $2,417.00 (+3.69%) | $79,600 | $159,200 |
| 2024 | $2,331.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 19, 2010
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 287 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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