191 Henry St, Coldwater, MI 49036 Property Records

Branch County property record for 191 Henry St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,563 sqft · built 1870
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$20,000 (Dec 2018)
Tax Bill	$1,605 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`304-000-000-050-00`

Property Details

APN / Parcel Number

Primary APN	`304-000-000-050-00`

Interior

Full Baths	1 Bath
Building Area	1,563 sqft Building Perimeter
1st Floor Area	977 sqft
Basement Area	977 sqft
Unfinished Basement	977 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Lot Area	13,504 sqft (0.31 acres)
Garage Area	315 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	191 HENRY ST
City	COLDWATER
State	MI
Zip	49036-1239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 72.05 FT E OF NE COR LOT 13 MUNSON ADD TH E 82.15 FT TH S 164.06 FT TH W 82.20 FT TH N 163.92 FT TO POB
Legal Subdivision	MUNSON ADD
Legal Lot Number	13
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3012
Census Tract	951600

Owner

191 Henry St is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	191 HENRY ST, COLDWATER, MI 49036-1239
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
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Aug 24, 2020	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO
Feb 26, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTURY BANK & TRUST
Dec 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Prior Sale	May 20, 1993
Deed Document Number	20188004
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	191 HENRY ST, COLDWATER, MI 49036-1239
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202102139
Date	Mar 26, 2021
Instrument	2021-02139

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	191 HENRY ST, COLDWATER, MI 49036-1239
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202005566
Date	Aug 24, 2020
Instrument	2020-05566

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	13 Months
Due	Sep 1, 2021

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	191 HENRY ST, COLDWATER, MI 49036-1239
Transaction Type	Mortgage
Record Updated	Mar 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900965
Date	Feb 26, 2019
Instrument	2019-00965

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Dec 11, 2018
Property Address	191 HENRY ST, COLDWATER, MI 49036-1239
Document Number	201808004
Instrument Date	Dec 11, 2018
Instrument	2018-08004
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Tax	$172.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 S CLAY ST, 60, COLDWATER, MI 49036-1893

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 HENRY ST, COLDWATER, MI 49036-1239

Tax Assessment & Valuation

The 2025 property tax bill for 191 Henry St was $1,605, 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		$71,150 (-1.73%)	$142,300 (-1.73%)
2025	$1,605.00 (+3.68%)	$72,400	$144,800
2024	$1,548.00

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

Flood

FEMA maps place 191 Henry St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 191 Henry St has no burnable land within ember reach, so its wildfire risk is not rated.

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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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