Branch County property record for 28 E Montgomery St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,474 sqft · built 1915 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100 (Jul 2000) |
| Tax Bill | $1,423 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-000-000-238-00 |
| Primary APN | 302-000-000-238-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,474 sqft Building Perimeter |
| 1st Floor Area | 1,162 sqft |
| Basement Area | 299 sqft |
| Unfinished Basement | 299 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 28 E MONTGOMERY ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 51 E O LANPHERE ADDN SEC 15 T6S R6W |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 15 |
| Legal Subdivision | E O LANPHERE ADD |
| Legal Lot Number | 51 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 951500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Marshall Street Historic District listed 1990 · 349 contributing resources · NRIS 90001123 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 28 E MONTGOMERY ST, COLDWATER, MI 49036-1440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2000 · Amount on Record |
| Deed Sale | Jul 17, 2000 · Amount on Record |
| Prior Sale | Nov 14, 1989 · Amount on Record |
| Deed Book / Page | 805 / 891 |
| Last Transfer Date | Apr 24, 2007 |
| Transfer Doc | 200703587 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 28 E MONTGOMERY ST, COLDWATER, MI 49036-1440 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 28 E MONTGOMERY ST, COLDWATER, MI 49036-1440 |
| Document Number | 0202206263 |
|---|---|
| Date | Sep 21, 2022 |
| Instrument | 2022-06263 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,250 (+49.05%) | $156,500 (+49.05%) | |
| 2025 | $1,423.00 (+3.64%) | $52,500 | $105,000 |
| 2024 | $1,373.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2010 · rainfall accumulation |
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 99.1% of the US · lower than 98.4% 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.
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 |
| 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.
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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