189 Division St, Coldwater, MI 49036 Property Records

Branch County property record for 189 Division St, Coldwater, MI 49036

Property Summary

Property Type	Commercial
Lot Size	0.445 acres (19,408 sqft)
Owner	Company Name on Record
Last Sale	$10,000 (Nov 1996)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-506-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-506-00`

Exterior

Lot Area	19,408 sqft (0.445 acres)

Location & Zoning

Street Address	189 DIVISION ST
City	COLDWATER
State	MI
Zip	49036
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COM AT INT E LI DIVISION ST WI N LI CONOVER ST TH N 22DEG 04MIN 30SEC E 197.85 FT TH S 88DEG 27MIN 50SEC E 208.96 FT TH S
Legal Subdivision	COM AT INT E LI DIVISION
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3022
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	Company Name on Record
Mailing Address	14 S HANCHETT ST, COLDWATER, MI 49036-1907
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 1996 · Amount on Record
Deed Sale	Nov 8, 1996 · Amount on Record
Prior Sale	Jun 30, 1995 · Amount on Record
Deed Book / Page	680 / 786
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	May 8, 2026
Property Address	189 DIVISION ST, COLDWATER, MI 49036
Document Number	0000002850
Instrument Date	Dec 5, 2025
Instrument	20262850
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	14 S HANCHETT ST, COLDWATER, MI 49036-1907

Mortgage

Document Number	0000002850,
Date	May 8, 2026
Instrument	20262850

Lender

Name	SENTRY BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

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)

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 470 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