256 Sprague Rd, Coldwater, MI 49036 Property Records

Branch County property record for 256 Sprague Rd, Coldwater, MI 49036 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1952
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Apr 2024)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Dec 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`070-C40-000-001-00`

Property Details

APN / Parcel Number

Primary APN	`070-C40-000-001-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Garage Area	1,056 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	256 SPRAGUE RD
City	COLDWATER
State	MI
Zip	49036-9160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2 CHRISDALE SUB SEC 27 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	27
Legal Subdivision	CHRISDALE SUB
Legal Lot Number	1-2
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2005
Census Tract	951600

Owner

Source: Branch County records · APN 070-C40-000-001-00

Assessment roll updated July 7, 2026 · Last verified July 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 File
Mailing Address	256 SPRAGUE RD, COLDWATER, MI 49036-9160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Dec 20, 2023	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Nov 26, 2012 · Amount on Record
Deed Document Number	20242276
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	201205649
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	256 SPRAGUE RD, COLDWATER, MI 49036-9160
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 SPRAGUE RD, COLDWATER, MI 49036-9160

Mortgage

Document Number	0202402277
Date	Apr 29, 2024
Instrument	2024-02277

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	100 W CHICAGO ST, COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 01, 2029
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	12.8%

December 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BRANCH MI
Recording Date	Dec 20, 2023
Property Address	256 SPRAGUE RD, COLDWATER, MI 49036-9160
Document Number	0202306811
Map Reference	LB 3 PG 29
Instrument Date	Dec 14, 2023
Instrument	2023-06811
Transaction Type	Foreclosure
Record Updated	Jan 02, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD STE 200A, 200A, ANAHEIM, CA 92806-5948

Tax Assessment & Valuation

Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,800 (+13.99%)	$133,600 (+13.99%)
2025	$1,574.00 (+82.39%)	$58,600 (-0.51%)	$117,200 (-0.51%)
2024	$863.00
2023		$58,900	$117,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260239516002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 221 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000

May also be available at this address: T-Mobile USA, Frontier, Verizon, Coldwater Board of Public Utilities. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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