Branch County property record for 20 Division St, Coldwater, MI 49036
| Property Type | Commercial |
|---|---|
| Details | 1,696 sqft · built 1974 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $4,901 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 301-000-000-008-00 |
| Primary APN | 301-000-000-008-00 |
|---|
| Building Area | 1,696 sqft Building Perimeter |
|---|
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Lot Area | 2,614 sqft (0.06 acres) |
| Street Address | 20 DIVISION ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1966 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | COM ON W LI DIVISION ST 110 FT N OF CONC MONUMENT AT INT W LI DIVISION ST & N LI PEARL ST TH NLY 32 FT TH WLY 85 FT TH SLY 32 |
| Legal Subdivision | COM ON W LI DIVISION |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 951600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the East Chicago Street Historic District listed 1975 · 58 contributing resources · NRIS 75000937 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 461 WARREN RD, COLDWATER, MI 49036-7516 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 6, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN MICHIGAN BANK & TRUST |
| Nov 6, 2019 | Warranty Deed, Transfer · Commercial Mortgage SOUTHERN MICHIGAN BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 20 DIVISION ST, COLDWATER, MI 49036-1966 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0201907062 |
|---|---|
| Date | Nov 6, 2019 |
| Instrument | 2019-07062 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Nov 6, 2019 |
| Property Address | 20 DIVISION ST, COLDWATER, MI 49036-1966 |
| Document Number | 201907061 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 2019-07061 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 DIVISION ST, 20, COLDWATER, MI 49036-1966 |
| Name | Verified Name |
|---|---|
| Address | 28 W CHICAGO ST STE 1A, 1A, COLDWATER, MI 49036-1678 |
| Document Number | 201907062 |
|---|---|
| Date | Nov 6, 2019 |
| Instrument | 2019-07062 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $120,750 (+3.03%) | $241,500 (+3.03%) | |
| 2025 | $4,901.00 (+3.03%) | $117,200 | $234,400 |
| 2024 | $4,757.00 |
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 | 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.
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 |
| 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.
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 |
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