Branch County property record for 278 E Southern Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Sep 2025) |
| Tax Bill | $1,287 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-008-400-065-03 |
| Primary APN | 150-008-400-065-03 |
|---|
| Lot Area | 435,600 sqft (10 acres) |
|---|
| Street Address | 278 E SOUTHERN RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-8005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT INTER OF E SEC LI WITH N R/W LI OF E SOUTHERN RD TH W ALG SD R/W 828.96 FT TO BEG TH N PAR WITH E SEC LI 835 FT TH W |
| Legal Range | 06W |
| Legal Township | 08S |
| Legal Section | 08 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | KINDERHOOK |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 951100 |
Source: Branch County records, as of July 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 90 JACKSON ST, COLDWATER, MI 49036-1850 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage HONOR CU |
| Sep 27, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | Jun 17, 2014 · Amount on File |
| Deed Document Number | 20255474 |
| Prior Transfer Date | Sep 10, 2021 |
| Prior Transfer Doc | 202107337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Sep 12, 2025 |
| Property Address | 278 E SOUTHERN RD, COLDWATER, MI 49036-8005 |
| Document Number | 0202505474 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 2025-05474 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 278 E SOUTHERN RD, COLDWATER, MI 49036-8005 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 90 JACKSON ST, COLDWATER, MI 49036-1850 |
| Document Number | 0202505475 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 2025-05475 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Sep 27, 2021 |
| Property Address | 278 E SOUTHERN RD, COLDWATER, MI 49036-8005 |
| Document Number | 202107337 |
| Instrument Date | Sep 10, 2021 |
| Instrument | 2021-07337 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 278 E SOUTHERN RD, COLDWATER, MI 49036-8005 |
| Document Number | 202107338 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021-07338 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Kinderhook Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $149,200 (+17.11%) | $298,400 (+17.11%) | |
| 2025 | $1,287.00 (-38.3%) | $127,400 | $254,800 |
| 2024 | $2,086.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| MetaLINK Technologies Fixed Wireless | 200 / 50 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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