285 Division St, Coldwater, MI 49036 Property Records

Branch County property record for 285 Division St, Coldwater, MI 49036

Property Summary

Property Type	Commercial
Details	1,323 sqft · built 1959
Lot Size	1.32 acres (57,499 sqft)
Owner	Company Name on Record
Last Sale	$220,000 (Sep 2024)
Tax Bill	$3,691 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-692-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-692-00`

Interior

Building Area	1,323 sqft Building Perimeter

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	57,499 sqft (1.32 acres)

Location & Zoning

Street Address	285 DIVISION ST
City	COLDWATER
State	MI
Zip	49036-2145
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COM AT PT ON E LI U S HWY 27 WH IS DUE S 184.87 FT TH DUE E 89.39 FT FR INT OF S LI OF INDUSTRIAL AVE WI W LI OF S CLAY ST TH
Legal Subdivision	COLDWATER RIVER AS ESTATE
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1036
Census Tract	951600

Owner

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	Company Name on Record
Mailing Address	37 N MONROE ST, COLDWATER, MI 49036-1651
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Sep 6, 2024	Warranty Deed, Transfer BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I
Mar 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2024 · Amount on Record
Deed Sale	Sep 6, 2024 · Amount on Record
Prior Sale	Mar 16, 2018 · Amount on Record
Deed Document Number	20244695
Prior Transfer Date	Jul 22, 2013
Prior Transfer Doc	0201305563
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	285 DIVISION ST, COLDWATER, MI 49036-2145
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 DIVISION ST, COLDWATER, MI 49036-2145

Mortgage

Document Number	0202506071
Date	Oct 9, 2025
Instrument	2025-06071

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Sep 6, 2024
Property Address	285 DIVISION ST, COLDWATER, MI 49036-2145
Document Number	0202404695
Instrument Date	Sep 5, 2024
Instrument	2024-04695
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount Recorded
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 N MONROE ST, COLDWATER, MI 49036-1651

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Mar 16, 2018
Property Address	285 DIVISION ST, COLDWATER, MI 49036-2145
Document Number	0201801549
Instrument Date	Mar 9, 2018
Instrument	2018-01549
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount Recorded
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 N UNION CITY RD, COLDWATER, MI 49036-9225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 E 6TH ST, HOLLAND, MI 49423-2912

Tax Assessment & Valuation

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$159,600 (-10.86%)	$319,200 (-10.86%)
2025	$3,691.00 (+3.48%)	$179,050	$358,100
2024	$3,567.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2010

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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