186 E Washington St, Coldwater, MI 49036 Property Records

Branch County property record for 186 E Washington St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,436 sqft · built 1890
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Feb 2022)
Tax Bill	$1,669 (2025)
Deeds & Mortgages	Feb 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-324-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-324-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,436 sqft Building Perimeter
1st Floor Area	1,149 sqft
Basement Area	574 sqft
Unfinished Basement	574 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	13,068 sqft (0.3 acres)
Garage Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 E WASHINGTON ST
City	COLDWATER
State	MI
Zip	49036-1942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT S LI WASHINGTON ST 22 RDS ELY FR PT WH LI BET E & W 1/2 OF NW 1/4 SEC 22 T6S R6W INT SAME TH ELY IN S LI SD ST 4 RDS
Legal Range	06W
Legal Township	06S
Legal Section	22
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3015
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	186 E WASHINGTON ST, COLDWATER, MI 49036-1942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Oct 17, 2013 · Amount on Record
Deed Document Number	20221156
Prior Transfer Date	Aug 3, 1995
Prior Transfer Doc	0647000813
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 18, 2022
Property Address	186 E WASHINGTON ST, COLDWATER, MI 49036-1942
Document Number	0202201156
Instrument Date	Feb 14, 2022
Instrument	2022-01156
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,087.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	186 E WASHINGTON ST, COLDWATER, MI 49036-1942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ELM ST, COLDWATER, MI 49036-2007
Investor	Possibly a Property Investor

Mortgage

Document Number	0202201180
Date	Feb 18, 2022
Instrument	2022-01180

Lender

Name	JAMES LOUNDS
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

Mortgage

Document Number	0202201180
Date	Feb 22, 2022
Instrument	2022-01180

Lender

Name	JAMES H LOUNDS
Type	Private Party
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$61,850 (+16.15%)	$123,700 (+16.15%)
2025	$1,669.00 (+3.66%)	$53,250	$106,500
2024	$1,610.00

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.

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 224 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

May also be available: Verizon.

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