Branch County property record for 198 Cavanaugh Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,718 sqft |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,349 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-033-100-010-01 |
| Primary APN | 060-033-100-010-01 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,718 sqft Building Perimeter |
| 1st Floor Area | 1,718 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Lot Area | 87,120 sqft (2 acres) |
|---|---|
| Garage Area | 572 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 198 CAVANAUGH RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-9346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAR 295 FT N & S BY 295 FT E & W IN NE COR OF NW 1/4 OF NW 1/4 SEC 33 T6S R7W |
| Legal Range | 07W |
| Legal Township | 06S |
| Legal Section | 33 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | BATAVIA |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 950300 |
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 | 198 CAVANAUGH RD, COLDWATER, MI 49036-9346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC |
| Sep 5, 2018 | Deed of Trust, Mortgage · ARM SOUTHERN MICHIGAN BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 198 CAVANAUGH RD, COLDWATER, MI 49036-9346 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 198 CAVANAUGH RD, COLDWATER, MI 49036-9346 |
| Document Number | 202108402 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 2021-08402 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | STURGIS, MI 49091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 198 CAVANAUGH RD, COLDWATER, MI 49036-9346 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 201805839 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 2018-05839 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.25% |
| Index | 1-Year LIBOR |
| Max Rate | 11.2% |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Batavia Township |
| Unified School District | Bronson Community School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $121,745 (-1.59%) | $243,490 (-1.59%) | |
| 2025 | $2,349.00 (+2.71%) | $123,709 | $247,418 |
| 2024 | $2,287.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| DMCI Broadband Fixed Wireless | 40 / 10 |
| T-Mobile Fixed Wireless | 25 / 3 |
5G (outdoors only) and 4G LTE
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