25 Stevens St, Coldwater, MI 49036 Property Records

Branch County property record for 25 Stevens St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,476 sqft · built 1960
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (May 2026)
Tax Bill	$1,272 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-566-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-566-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,476 sqft Living Area
1st Floor Area	1,476 sqft
Basement Area	1,476 sqft
Unfinished Basement	1,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	9,583 sqft (0.22 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	25 STEVENS ST
City	COLDWATER
State	MI
Zip	49036-2136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 H C CLARK ADDN SEC 21 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	21
Legal Subdivision	H C CLARK ADD
Legal Lot Number	23
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3027
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	25 STEVENS ST, COLDWATER, MI 49036-2136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit HONOR CREDIT UNION
Mar 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Feb 7, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	May 30, 2002 · Amount on Record
Deed Document Number	20262826
Prior Transfer Date	Jan 26, 2022
Prior Transfer Doc	0202200838
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Jun 8, 2026
Property Address	25 STEVENS ST, COLDWATER, MI 49036-2136
Document Number	0000003651
Instrument Date	May 26, 2026
Instrument	20263651
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STEVENS ST, COLDWATER, MI 49036-2136

Mortgage

Document Number	0000003651,
Date	Jun 8, 2026
Instrument	20263651

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 12, 2046

Interest

Rate	6.3%
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	25 STEVENS ST, COLDWATER, MI 49036-2136
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STEVENS ST, COLDWATER, MI 49036-2136

Mortgage

Document Number	0202301000
Date	Mar 2, 2023
Instrument	2023-01000

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2028

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 7, 2026
Property Address	25 STEVENS ST, COLDWATER, MI 49036-2136
Document Number	0000002826
Instrument Date	May 1, 2026
Instrument	2026.2826
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86,860.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STEVENS ST, COLDWATER, MI 49036-2136

Mortgage

Document Number	0000002827,
Date	May 7, 2026
Instrument	2026.2827

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Feb 7, 2022
Property Address	25 STEVENS ST, COLDWATER, MI 49036-2136
Document Number	0202200838
Map Reference	LB 2 PG 35
Instrument Date	Jan 26, 2022
Instrument	2022-00838
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STEVENS ST, COLDWATER, MI 49036-2136

Mortgage

Document Number	0202200839
Date	Feb 7, 2022
Instrument	2022-00839

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

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		$68,950 (+8.16%)	$137,900 (+8.16%)
2025	$1,272.00 (+3.67%)	$63,750	$127,500
2024	$1,227.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	None beyond 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 108 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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