284 S Centennial Rd, Coldwater, MI 49036 Property Records

Branch County property record for 284 S Centennial Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$79,000 (Dec 2006)
Tax Bill	$1,292 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`110-D50-000-002-00`

Property Details

APN / Parcel Number

Primary APN	`110-D50-000-002-00`

Exterior

Lot Area	17,424 sqft (0.4 acres)

Location & Zoning

Street Address	284 S CENTENNIAL RD
City	COLDWATER
State	MI
Zip	49036-9452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 DONBROCKS SUB SEC 10 T7S R6W
Legal Range	06W
Legal Township	07S
Legal Section	10
Legal Subdivision	DONBROCKS SUB
Legal Lot Number	2
Jurisdiction	BRANCH MI
Township / Civil Division	OVID
Census Block Group	1
Census Block	1006
Census Tract	951000

Owner

284 S Centennial Rd is owned and occupied by an individual who bought it in December 2006.

Source: Branch County records, as of July 15, 2026

Owner of Record	Individual Name on File
Mailing Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452
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
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Dec 19, 2006	Warranty Deed, Transfer · ARM CENTURY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2006 · Amount on File
Deed Sale	Dec 19, 2006 · Amount on File
Prior Sale	Dec 11, 2001 · Amount on File
Deed Document Number	200610498
Prior Transfer Date	Jul 29, 2005
Prior Transfer Doc	0000006918
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202105096
Date	Jun 28, 2021
Instrument	2021-05096

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452

Mortgage

Document Number	0202206918
Date	Oct 14, 2022
Instrument	2022-06918

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202105096
Date	Jun 28, 2021
Instrument	2021-05096

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Dec 19, 2006
Property Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452
Document Number	0200610498
Map Reference	LB4 PG11
Instrument Date	Dec 18, 2006
Instrument	2006-10498
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$679.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	284 S CENTENNIAL RD, COLDWATER, MI 49036-9452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 THRUSH DR, COLDWATER, MI 49036-7002

Mortgage

Document Number	0200610499
Date	Dec 19, 2006
Instrument	2006-10499

Lender

Name	CENTURY MORTGAGE SERVICES INC

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year T-Bill
Max Rate	13%

Tax Assessment & Valuation

The 2025 property tax bill for 284 S Centennial Rd was $1,292, up 2.6% 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	Ovid Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,440 (+11.91%)	$134,880 (+11.91%)
2025	$1,292.00 (+2.62%)	$60,264	$120,528
2024	$1,259.00

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

Flood

FEMA maps place 284 S Centennial Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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
Nearby Flood Claims	2 (2007–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2008 · river or lake flooding

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

The area around 284 S Centennial Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Lakeland Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, DMCI Broadband, Spectrum.

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