251 E Union City Rd, Coldwater, MI 49036 Property Records

Branch County property record for 251 E Union City Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on File
Last Sale	$163,500 (Oct 2006)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`030-029-200-045-00`

Property Details

APN / Parcel Number

Primary APN	`030-029-200-045-00`

Exterior

Lot Area	67,082 sqft (1.54 acres)

Location & Zoning

Street Address	251 E UNION CITY RD
City	COLDWATER
State	MI
Zip	49036-9229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIRARD TWP/T5S R6W, SEC 29: BEG 2404 1/2 FT W OF NE COR, TH W 233.4.4 FT S 360.23 FT E 39 FT, TH N 48DEG 30MIN E 258.22 FT,
Jurisdiction	BRANCH MI
Township / Civil Division	GIRARD
Census Block Group	3
Census Block	3001
Census Tract	950100

Owner

251 E Union City Rd is owned and occupied by an individual who acquired it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229
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
Apr 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARRINGTON MORTGAGE SERVICES LLC
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Nov 19, 2019	Intrafamily Transfer, Transfer
Nov 19, 2019	Intrafamily Transfer, Transfer
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2006 · Amount on File
Deed Sale	Oct 31, 2006 · Amount on File
Prior Sale	Oct 17, 2001 · Amount on File
Deed Document Number	20069212
Last Transfer Date	Nov 16, 2019
Transfer Doc	201907342
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229

Mortgage

Document Number	0202301537
Date	Apr 5, 2023
Instrument	2023-01537

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202006584
Date	Sep 30, 2020
Instrument	2020-06584

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Nov 19, 2019
Property Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229
Document Number	201907342
Instrument Date	Nov 16, 2019
Instrument	2019-07342
Transaction Type	Transfer
Record Updated	Jun 8, 2021

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	374 ROHLOFF DR, COLDWATER, MI 49036-8313

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Nov 19, 2019
Property Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229
Document Number	201907343
Instrument Date	Nov 16, 2019
Instrument	2019-07343
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	374 ROHLOFF DR, 374, COLDWATER, MI 49036-8313

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1986 STRAVISKY LANE, VENTURA, CA 93004

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	251 E UNION CITY RD, COLDWATER, MI 49036-9229
Transaction Type	Mortgage
Record Updated	Jul 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201904128
Date	Jul 1, 2019
Instrument	2019-04128

Lender

Name	AMERIFIRST FINANCIAL CORPORATION
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 251 E Union City Rd was $2,500, up 2.7% 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		$121,000 (-9.5%)	$242,000 (-9.5%)
2025	$2,500.00 (+2.71%)	$133,700	$267,400
2024	$2,434.00

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

Flood

FEMA maps place 251 E Union City Rd in Zone X, an area of minimal flood risk, within 500 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 A, within 500 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

Wildfire risk around 251 E Union City Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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