Branch County property record for 23 Smith St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,142 sqft · built 1962 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,000 (Jul 2026) |
| Tax Bill | $2,056 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-000-000-330-00 |
| Primary APN | 302-000-000-330-00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,142 sqft Living Area |
| 1st Floor Area | 1,142 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Area | 624 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 23 SMITH ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 ALSO PAR COM AT PT ON N LI SMITH ST BEING S 89DEG 52MIN E 134 FT FR E LI MORSE ST TH DUE N PAR WI E LI MORSE ST 104.1 |
| Legal Subdivision | F V SMITHS ADD |
| Legal Block | 11 |
| Legal Lot Number | 8 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 951400 |
Source: Branch County records · APN 302-000-000-330-00
Assessment roll updated July 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 297 HILLCREST DR, COLDWATER, MI 49036-9815 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage MARSHALL COMMUNITY CREDIT UNION |
| Apr 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Mar 21, 2019 | Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Mar 21, 2019 · Amount on Record |
| Deed Document Number | 20264804 |
| Prior Transfer Date | Jul 13, 2010 |
| Prior Transfer Doc | 0201004274 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Jul 31, 2026 |
| Property Address | 23 SMITH ST, COLDWATER, MI 49036-1533 |
| Document Number | 0000004804 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 20264804 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2026 |
| Title Company | BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205,858.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 297 HILLCREST DR, COLDWATER, MI 49036-9815 |
| Document Number | 0000004805, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 20264805 |
| Name | MARSHALL COMMUNITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 23 SMITH ST, COLDWATER, MI 49036-1533 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202002567 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 2020-02567 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Mar 21, 2019 |
| Property Address | 23 SMITH ST, COLDWATER, MI 49036-1533 |
| Document Number | 0201901409 |
| Map Reference | LB 2 PG 11 |
| Instrument Date | Mar 16, 2019 |
| Instrument | 2019-01409 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2023 |
| Title Company | BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL N |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,014.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 E LOCKWOOD RD, COLDWATER, MI 49036-9453 |
| Name | Verified Name |
|---|---|
| Address | 601 3RD ST S, WAHPETON, ND 58075-4725 |
| Document Number | 0201901410 |
|---|---|
| Date | Mar 21, 2019 |
| Instrument | 2019-01410 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $97,950 (+62.84%) | $195,900 (+62.84%) | |
| 2025 | $2,056.00 (+3.68%) | $60,150 | $120,300 |
| 2024 | $1,983.00 |
Source: FEMA National Flood Hazard Layer as of April 19, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 472 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COLDWATER serves 13,822 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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