22 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 22 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 664 sqft
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Jul 2025)
Tax Bill	$1,371 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-436-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-436-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	664 sqft Building Perimeter
1st Floor Area	664 sqft
Basement Area	484 sqft
Unfinished Basement	484 sqft

Exterior

Lot Area	8,712 sqft (0.2 acres)
Garage Area	256 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	22 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 2 RDS 15 1/2 FT WIDE OF LOT 2 & 9 FT OFF E END OF N 1/2 OF LOT 1 BLK 18 F V SMITH ADDN
Legal Subdivision	F V SMITH ADD
Legal Block	18
Legal Lot Number	1-2,9
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1014
Census Tract	951400

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	Individual Name on Record
Mailing Address	282 MARSHALL ST, COLDWATER, MI 49036-1143
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Warranty Deed, Transfer · Conventional Mortgage HONOR CU
Dec 28, 2022	Intrafamily Transfer, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Dec 28, 2022 · Amount on Record
Deed Document Number	20253948
Prior Transfer Date	Dec 16, 2022
Prior Transfer Doc	0202208344
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Dec 28, 2022
Property Address	22 SMITH ST, COLDWATER, MI 49036-1534
Document Number	0202208346
Instrument Date	Dec 16, 2022
Instrument	2022-08346
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$517.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 RANDOLPH ST, ANGOLA, IN 46703-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 MORSE ST, COLDWATER, MI 49036-1483

Mortgage

Document Number	0202208347
Date	Dec 28, 2022
Instrument	2022-08347

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	67 Months
Due	Jul 1, 2028

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Dec 28, 2022
Property Address	22 SMITH ST, COLDWATER, MI 49036-1534
Document Number	0202208344
Instrument Date	Dec 16, 2022
Instrument	2022-08344
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 SMITH ST, COLDWATER, MI 49036-1534

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	22 SMITH ST, COLDWATER, MI 49036-1534

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		$52,900 (+54.9%)	$105,800 (+54.9%)
2025	$1,371.00 (+1.71%)	$34,150	$68,300
2024	$1,348.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 472 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	1,000 / 1,000

May also be available: Verizon.

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