22 N Sprague St, Coldwater, MI 49036 Property Records

Branch County property record for 22 N Sprague St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,902 sqft · built 1920
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (May 2023)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-819-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-819-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,902 sqft Building Perimeter
1st Floor Area	951 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	22 N SPRAGUE ST
City	COLDWATER
State	MI
Zip	49036-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF LOT 22 SEELEY PARK ADDN ALSO N 1/2 OF ALLEY ALG S LI OF SD LOT 22 VAC BY CITY OF COLDWATER ALSO STRIP 8 1/2 FT IN
Legal Subdivision	SEELEY PARK ADD
Legal Lot Number	22
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1022
Census Tract	951400

Owner

22 N Sprague St is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 N SPRAGUE ST, COLDWATER, MI 49036-1723
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
May 3, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 21, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 30, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Prior Sale	May 9, 2011 · Amount on File
Deed Document Number	20232445
Prior Transfer Date	Mar 23, 1994
Prior Transfer Doc	0619000588
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 3, 2023
Property Address	22 N SPRAGUE ST, COLDWATER, MI 49036-1723
Document Number	0202302445
Map Reference	LB 2 PG 20
Instrument Date	Apr 21, 2023
Instrument	2023-02445
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	EVONS TITLE, DEVON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1038 GUNTHORPE RD, BURR OAK, MI 49030-9504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 WHISPGGNG PINES DR #B # B, B, COLDWATER, MI 49036

Mortgage

Document Number	0202302446
Date	May 3, 2023
Instrument	2023-02446

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 21, 2023
Property Address	22 N SPRAGUE ST, COLDWATER, MI 49036-1723
Document Number	0202300830
Instrument Date	Feb 20, 2023
Instrument	2023-00830
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	504 E 9TH ST, AUBURN, IN 46706-2422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 GUNTHORPE RD, BURR OAK, MI 49030-9504

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Nov 30, 2022
Property Address	22 N SPRAGUE ST, COLDWATER, MI 49036-1723
Document Number	0202207812
Map Reference	LB 2 PG 20
Instrument Date	Oct 11, 2022
Instrument	2022-07812
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	67 E PIERCE ST, COLDWATER, MI 49036-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 GUNTHORPE RD, BURR OAK, MI 49030-9504

Tax Assessment & Valuation

The 2025 property tax bill for 22 N Sprague St was $2,233, down 0.9% 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		$72,250 (+29.95%)	$144,500 (+29.95%)
2025	$2,233.00 (-0.89%)	$55,600	$111,200
2024	$2,253.00

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

Flood

FEMA maps place 22 N Sprague St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 22 N Sprague 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 224 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

May also be available: Verizon.

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