Branch County property record for 28 Smith St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,190 sqft |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $82,300 (Aug 2005) |
| Tax Bill | $1,503 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-000-000-438-00 |
| Primary APN | 302-000-000-438-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,190 sqft Building Perimeter |
| 1st Floor Area | 1,190 sqft |
| Basement Area | 425 sqft |
| Unfinished Basement | 425 sqft |
| Lot Area | 8,276 sqft (0.19 acres) |
|---|---|
| Garage Area | 720 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 28 SMITH ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 1/2 OF LOT 3 BLK 18 F V SMITH ADDN |
| Legal Subdivision | F V SMITH ADD |
| Legal Block | 18 |
| Legal Lot Number | 3 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 951400 |
28 Smith St is owned and occupied by two individuals who acquired it in December 2020.
Source: Branch County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 SMITH ST, COLDWATER, MI 49036-1534 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HONOR CU |
| Dec 28, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2005 · Amount on File |
| Deed Sale | Aug 26, 2005 · Amount on File |
| Prior Sale | Oct 7, 2000 · Amount on File |
| Deed Document Number | 20057586 |
| Deed Book / Page | 1089 / 331 |
| Last Transfer Date | Dec 21, 2020 |
| Transfer Doc | 202008880 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 28 SMITH ST, COLDWATER, MI 49036-1534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202006985 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 2020-06985 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Dec 28, 2020 |
| Property Address | 28 SMITH ST, COLDWATER, MI 49036-1534 |
| Document Number | 202008880 |
| Map Reference | LB 2 PG 11 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 2020-08880 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 28 SMITH ST, COLDWATER, MI 49036-1534 |
The 2025 property tax bill for 28 Smith St was $1,503, up 3.7% from the year before.
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 | $76,250 (+32.49%) | $152,500 (+32.49%) | |
| 2025 | $1,503.00 (+3.66%) | $57,550 | $115,100 |
| 2024 | $1,450.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Smith St in Zone X, an area of minimal flood risk.
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 | 2 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.
Wildfire risk around 28 Smith St 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 98% of the US · lower than 95% 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: 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 472 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Coldwater Board of Public Utilities Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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