181 Hull St, Coldwater, MI 49036 Property Records

Branch County property record for 181 Hull St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,499 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-486-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-486-00`

Interior

Full Baths	1 Bath
Building Area	1,499 sqft Building Perimeter
1st Floor Area	1,089 sqft
Basement Area	1,089 sqft
Unfinished Basement	1,089 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	13,068 sqft (0.3 acres)
Garage Area	600 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	181 HULL ST
City	COLDWATER
State	MI
Zip	49036-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 SAWDEY & MILNES ADD
Legal Subdivision	SAWDEY & MILNES ADD
Legal Lot Number	4
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1018
Census Tract	951400

Owner

181 Hull St is owned and occupied by an individual who acquired it in October 1999.

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

Owner of Record	Individual Name on File
Mailing Address	181 HULL ST, COLDWATER, MI 49036-1737
Occupancy	Owner Occupied
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
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Jun 13, 2017	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 1999
Deed Sale	Oct 8, 1999
Prior Sale	Oct 8, 1998
Deed Book / Page	753 / 289
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	181 HULL ST, COLDWATER, MI 49036-1737
Transaction Type	Mortgage
Record Updated	Sep 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 HULL ST, COLDWATER, MI 49036-1737

Mortgage

Document Number	202107035
Date	Sep 13, 2021
Instrument	2021-07035

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	181 HULL ST, COLDWATER, MI 49036-1737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201704084
Date	Jun 13, 2017
Instrument	2017-04084

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	181 HULL ST, COLDWATER, MI 49036-1737
Transaction Type	Mortgage
Record Updated	Dec 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-07637
Date	Nov 13, 2017
Instrument	2017-07637

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 181 Hull St was $1,457, up 3.7% 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		$71,500 (+13.85%)	$143,000 (+13.85%)
2025	$1,457.00 (+3.7%)	$62,800	$125,600
2024	$1,405.00

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

Flood

FEMA maps place 181 Hull St 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

Wildfire risk around 181 Hull St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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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