25 Williams St, Coldwater, MI 49036 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,502 sqft · built 1890
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$29,795 (Jun 2011)
Tax Bill	$939 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-626-00`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-626-00`

Interior

Full Baths	1 Bath
Building Area	1,502 sqft Building Perimeter
1st Floor Area	1,135 sqft
Basement Area	735 sqft
Unfinished Basement	735 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	25 WILLIAMS ST
City	COLDWATER
State	MI
Zip	49036-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 LOT 341 CLARK H WILLIAMS ADDN
Legal Subdivision	CLARK H WILLIAMS ADD
Legal Lot Number	341
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2015
Census Tract	951500

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 WILLIAMS ST, COLDWATER, MI 49036-1320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage HONOR CREDIT UNION
Sep 4, 2020	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2011 · Amount on Record
Deed Sale	Jun 6, 2011 · Amount on Record
Prior Sale	Jun 17, 2010 · Amount on Record
Deed Document Number	20113581
Prior Transfer Date	Nov 2, 1995
Prior Transfer Doc	0653000937
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	May 26, 2026
Property Address	25 WILLIAMS ST, COLDWATER, MI 49036-1320
Document Number	0000003199
Instrument Date	May 12, 2026
Instrument	20263199
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 WILLIAMS ST, COLDWATER, MI 49036-1320

Mortgage

Document Number	0000003199,
Date	May 26, 2026
Instrument	20263199

Lender

Name	HONOR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	25 WILLIAMS ST, COLDWATER, MI 49036-1320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202005843
Date	Sep 4, 2020
Instrument	2020-05843

Lender

Name	PREMIER BANK
Type	Bank
Address	ADRIAN, MI 49221

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	25 WILLIAMS ST, COLDWATER, MI 49036-1320
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201805895
Date	Sep 7, 2018
Instrument	2018-05895

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2033

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		$54,350 (-0.82%)	$108,700 (-0.82%)
2025	$939.00 (+3.64%)	$54,800	$109,600
2024	$906.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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