182 Cutter Ave, Coldwater, MI 49036 Property Records

Branch County property record for 182 Cutter Ave, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,156 sqft · built 2007
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$142,500 (Oct 2020)
Tax Bill	$3,315 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-529-01`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-529-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,156 sqft Building Perimeter
1st Floor Area	1,156 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	14,375 sqft (0.33 acres)
Garage Area	563 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	182 CUTTER AVE
City	COLDWATER
State	MI
Zip	49036-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 65 FT OF LOT 53 OS STEPHEN S CUTTER ADDN SEC 15 T6S R6W SPLIT ON 01/13/2007 FROM 302-000-000-529-00;
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	OS STEPHEN S CUTTER ADD
Legal Lot Number	53
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1017
Census Tract	951400

Owner

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	182 CUTTER AVE, COLDWATER, MI 49036-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	20207151
Prior Transfer Date	Nov 25, 2009
Prior Transfer Doc	200908306
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	182 CUTTER AVE, COLDWATER, MI 49036-1516
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 CUTTER AVE, COLDWATER, MI 49036-1516

Mortgage

Document Number	0202305103
Date	Sep 21, 2023
Instrument	2023-05103

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 1, 2028

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 21, 2020
Property Address	182 CUTTER AVE, COLDWATER, MI 49036-1516
Document Number	202007151
Map Reference	LB 1 PG 37
Instrument Date	Oct 15, 2020
Instrument	2020-07151
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	182 CUTTER AVE, 182, COLDWATER, MI 49036-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 WEBBER ST, BATTLE CREEK, MI 49015-2154

Mortgage

Document Number	202007152
Date	Oct 21, 2020
Instrument	2020-07152

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

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		$121,450 (+32.8%)	$242,900 (+32.8%)
2025	$3,315.00 (+3.69%)	$91,450	$182,900
2024	$3,197.00

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	Not rated no burnable land within 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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