Branch County property record for 181 Smith St, Coldwater, MI 49036 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1982 |
| Square Footage | 1,082 sqft Living Area |
| Lot Size | 11,761 sqft (0.27 acres) |
| Garage | 288 sqft |
| Last Sale | $240,000 (2026) |
| Tax Bill | $737.00 (2025) |
| Primary APN | 302-000-000-343-10 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,082 sqft Living Area |
| 1st Floor | 1,082 sqft 1st Floor |
| Basement Area | 1,082 sqft Basement |
| Unfinished Basement | 1,082 sqft Unfinished |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch Style |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Area | 288 sqft Garage |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 181 SMITH ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1541 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 12 EXC W 71.28 FT THEREOF ALSO W 60.06 FT OF LOT 13 BLOCK 15 F V SMITH'S ADDN SEC 15 T6S R6W |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 15 |
| Legal Subdivision | F V SMITH S ADD |
| Legal Block | 15 |
| Legal Lot Number | 12-13 |
| Jurisdiction | BRANCH MI |
| Minor Civil Division | COLDWATER |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 951400 |
Source: Branch County records · APN 302-000-000-343-10
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 SAUK BLVD, COLDWATER, MI 49036-8881 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jul 27, 2016 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Jan 09, 2026 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Nov 12, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 16, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage HONOR CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 09, 2026 · Amount on Record |
| Deed Sale | Jan 09, 2026 · Amount on Record |
| Prior Sale | Nov 12, 2020 · Amount on Record |
| Deed Doc Number | 2026140 |
| Prior Transfer Date | Oct 07, 2019 |
| Prior Transfer Doc | 201906677 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201604626 |
|---|---|
| Date | Jul 27, 2016 |
| Instrument | 2016-04626 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Jan 09, 2026 |
| Property Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Document Number | 0202600140 |
| Map Reference | LB 2 PG 11 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 2026-00140 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Name | Verified Name |
|---|---|
| Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Document Number | 0202600141 |
|---|---|
| Date | Jan 09, 2026 |
| Instrument | 2026-00141 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Nov 12, 2020 |
| Property Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Document Number | 202007717 |
| Instrument Date | Nov 02, 2020 |
| Instrument | 2020-07717 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,315.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 181 SMITH ST, 181, COLDWATER, MI 49036-1541 |
| Name | Verified Name |
|---|---|
| Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Investor | Possibly a Property Investor |
| Document Number | 202007718 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 2020-07718 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Oct 16, 2019 |
| Property Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Document Number | 201906677 |
| Map Reference | MB 2 PG 11 |
| Instrument Date | Oct 07, 2019 |
| Instrument | 2019-06677 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 181 SMITH ST, COLDWATER, MI 49036-1541 |
| Document Number | 201906678 |
|---|---|
| Date | Oct 16, 2019 |
| Instrument | 2019-06678 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2034 |
Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,150 (+28.18%) | $178,300 (+28.18%) | |
| 2025 | $737.00 (-69.33%) | $69,550 | $139,100 |
| 2024 | $2,403.00 |
Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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