24 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 24 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,352 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Mar 2024)
Tax Bill	$3,071 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-437-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-437-00`

Interior

Full Baths	2 Baths
Building Area	1,352 sqft Building Perimeter
1st Floor Area	1,352 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	24 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM ON S LI SMITH ST AT PT 15 RDS 9 FT E OF CEN OF MORSE ST SD PT BEING 1 FT W OF NE COR OF LD CONV BY F JAQUES L203 P524 TH
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	2 Individual Names on Record
Mailing Address	24 SMITH ST, COLDWATER, MI 49036-1534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jan 10, 2022	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
May 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2024 · Amount on Record
Deed Sale	Mar 11, 2024 · Amount on Record
Prior Sale	Jan 10, 2022 · Amount on Record
Deed Document Number	2024986
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Mar 11, 2024
Property Address	24 SMITH ST, COLDWATER, MI 49036-1534
Document Number	0202400986
Instrument Date	Feb 28, 2024
Instrument	2024-00986
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	BRANCH CNTY ABSTRAT & TTL IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7386 FAYETTE BLVD, CHIPPEWA LAKE, OH 44215-9812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 N WILLOWBROOK RD UNIT J305, J305, COLDWATER, MI 49036-9572

Mortgage

Document Number	0202400987
Date	Mar 11, 2024
Instrument	2024-00987

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Mortgage

Document Number	0202400988
Date	Mar 11, 2024
Instrument	2024-00988

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 10, 2022
Property Address	24 SMITH ST, COLDWATER, MI 49036-1534
Document Number	0202200162
Instrument Date	Dec 31, 2021
Instrument	2022-00162
Transaction Type	Transfer
Record Updated	Jan 27, 2022
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 SMITH ST, 24, COLDWATER, MI 49036-1534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7386 FAYETTE BLVD, CHIPPEWA LAKE, OH 44215-9812

Mortgage

Document Number	0202200163
Date	Jan 10, 2022
Instrument	2022-00163

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	24 SMITH ST, COLDWATER, MI 49036-1534
Transaction Type	Mortgage
Record Updated	May 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201902826
Date	May 7, 2019
Instrument	2019-02826

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

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		$98,300 (+28.58%)	$196,600 (+28.58%)
2025	$3,071.00 (+15.76%)	$76,450 (+6.85%)	$152,900 (+6.85%)
2024	$2,653.00
2023		$71,550	$143,100

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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