21 Charles St, Coldwater, MI 49036 Property Records

Branch County property record for 21 Charles St, Coldwater, MI 49036 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,583 sqft · built 1900
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Sep 2001)
Tax Bill	$1,631 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-428-00`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-428-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,583 sqft Building Perimeter
1st Floor Area	1,175 sqft
Basement Area	767 sqft
Unfinished Basement	767 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	12,632 sqft (0.29 acres)
Garage Area	550 sqft

Location & Zoning

Street Address	21 CHARLES ST
City	COLDWATER
State	MI
Zip	49036-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 4 RDS OF LOT 13 O E WHITES ADDN
Legal Subdivision	O E WHITES ADD
Legal Lot Number	13
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3009
Census Tract	951600

Owner

Source: Branch County records · APN 303-000-000-428-00

Assessment roll updated July 7, 2026 · Last verified July 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 File
Mailing Address	21 CHARLES ST, COLDWATER, MI 49036-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage MARSHALL COMMUNITY CREDIT UNION
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 25, 2001 · Amount on Record
Deed Sale	Sep 25, 2001 · Amount on Record
Prior Sale	Apr 26, 2001
Deed Book / Page	857 / 99
Last Transfer Date	Dec 19, 2003
Transfer Doc	0000014499
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	May 11, 2026
Property Address	21 CHARLES ST, COLDWATER, MI 49036-1201
Document Number	0000002885
Instrument Date	Apr 22, 2026
Instrument	20262885
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	21 CHARLES ST, COLDWATER, MI 49036-1201
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002885,
Date	May 11, 2026
Instrument	20262885

Lender

Name	MARSHALL COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 01, 2036

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	21 CHARLES ST, COLDWATER, MI 49036-1201
Transaction Type	Mortgage
Record Updated	Mar 04, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202101198
Date	Feb 18, 2021
Instrument	2021-01198

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 01, 2031

Tax Assessment & Valuation

Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,150 (+2.12%)	$168,300 (+2.12%)
2025	$1,631.00 (+3.69%)	$82,400	$164,800
2024	$1,573.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 293 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures