243 Harbor Vw, Coldwater, MI 49036 Property Records

Branch County property record for 243 Harbor Vw, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jun 2004)
Tax Bill	$1,475 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-029-300-040-00`

Property Details

APN / Parcel Number

Primary APN	`030-029-300-040-00`

Exterior

Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	243 HARBOR VW
City	COLDWATER
State	MI
Zip	49036-7213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIRARD TWP/T5S R6W, SEC 29: COM 40 FT S & S 89DEG 59MIN 06SEC E 60 FT FROM NEI BLES LD NO 2 PLAT TO BEG, TH S 89DEG 59MIN
Legal Range	06W
Legal Township	05S
Legal Section	29
Legal Subdivision	LAND LYING
Jurisdiction	BRANCH MI
Township / Civil Division	GIRARD
Census Block Group	3
Census Block	3014
Census Tract	950100

Owner

243 Harbor Vw is owned and occupied by two individuals who bought it in June 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	243 HARBOR VW, COLDWATER, MI 49036-7213
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
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN BANK & TRUST CO
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
May 9, 2019	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2004 · Amount on File
Deed Sale	Jun 24, 2004 · Amount on File
Prior Sale	May 17, 2002 · Amount on File
Deed Document Number	20046311
Deed Book / Page	1029 / 97
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Sep 14, 2026
Property Address	243 HARBOR VW, COLDWATER, MI 49036-7213
Document Number	0000005774
Instrument Date	Sep 1, 2026
Instrument	20265774
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 HARBOR VW, COLDWATER, MI 49036-7213

Mortgage

Document Number	0000005774,
Date	Sep 14, 2026
Instrument	20265774

Lender

Name	SOUTHERN BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	243 HARBOR VW, COLDWATER, MI 49036-7213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201905936
Date	Sep 17, 2019
Instrument	2019-05936

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	243 HARBOR VW, COLDWATER, MI 49036-7213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201902893
Date	May 9, 2019
Instrument	2019-02893

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 10, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 243 Harbor Vw was $1,475, down 35.9% from the year before.

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Girard Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,200 (-20.77%)	$132,400 (-20.77%)
2025	$1,475.00 (-35.9%)	$83,550	$167,100
2024	$2,301.00

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

Flood

FEMA maps place 243 Harbor Vw in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2008–2021)
Most Recent Claim	Jul 2021 · other causes

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 243 Harbor Vw 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Vw

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