2 Heritage Ct, Coldwater, MI 49036 Property Records

Branch County property record for 2 Heritage Ct, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,836 sqft · built 2001
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Oct 2018)
Tax Bill	$7,573 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-917-22`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-917-22`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,836 sqft Building Perimeter
1st Floor Area	2,015 sqft
Basement Area	2,015 sqft
Unfinished Basement	2,015 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	42,689 sqft (0.98 acres)
Garage Area	756 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2 HERITAGE CT
City	COLDWATER
State	MI
Zip	49036-1270
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NE COR LOT 9 HERITAGE ESTATES SD PT BEING S 00DEG 26MIN 55SEC E 663.57 FT TH S 89DEG 55MIN 35SEC E 284.80 FT TH S
Legal Range	06W
Legal Township	06S
Legal Section	16
Legal Subdivision	HERITAGE ESTATES
Legal Lot Number	9
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3001
Census Tract	951600

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	2 Individual Names on Record
Mailing Address	2 HERITAGE CT, COLDWATER, MI 49036-1270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Mar 14, 2017	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Oct 3, 2018	Deed, Transfer · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2018 · Amount on Record
Deed Sale	Oct 3, 2018 · Amount on Record
Prior Sale	Jul 8, 2005 · Amount on Record
Deed Document Number	20186489
Prior Transfer Date	Jan 4, 2010
Prior Transfer Doc	0201000325
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	2 HERITAGE CT, COLDWATER, MI 49036-1270
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HERITAGE CT, COLDWATER, MI 49036-1270

Mortgage

Document Number	0202302832
Date	May 25, 2023
Instrument	2023-02832

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	2 HERITAGE CT, COLDWATER, MI 49036-1270
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202001924
Date	Apr 8, 2020
Instrument	2020-01924

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	2 HERITAGE CT, COLDWATER, MI 49036-1270
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201701559
Date	Mar 14, 2017
Instrument	2017-01559

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 10, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 3, 2018
Property Address	2 HERITAGE CT, COLDWATER, MI 49036-1270
Document Number	201806489
Instrument Date	Sep 28, 2018
Instrument	2018-06489
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,709.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 HERITAGE CT, 2, COLDWATER, MI 49036-1270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 N HUDSON ST, COLDWATER, MI 49036-1404

Mortgage

Document Number	201806490
Date	Oct 3, 2018
Instrument	2018-06490

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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		$209,150 (+9.22%)	$418,300 (+9.22%)
2025	$7,573.00 (+3.67%)	$191,500	$383,000
2024	$7,305.00

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

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

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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