285 W State St, Coldwater, MI 49036 Property Records

Branch County property record for 285 W State St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1976
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$177,500 (Dec 2016)
Tax Bill	$4,416 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-971-00`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-971-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	14,810 sqft (0.34 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	285 W STATE ST
City	COLDWATER
State	MI
Zip	49036-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 CHAPMAN MEADOWS NO 2 SEC 16 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	16
Legal Subdivision	CHAPMAN MEADOWS #2
Legal Lot Number	12
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3005
Census Tract	951500

Owner

285 W State St is owned and occupied by two individuals who bought it in December 2016.

Source: Branch County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	285 W STATE ST, COLDWATER, MI 49036-1041
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2016 · Amount on File
Deed Sale	Dec 29, 2016 · Amount on File
Prior Sale	Jun 23, 2010 · Amount on File
Deed Document Number	20167866
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	285 W STATE ST, COLDWATER, MI 49036-1041
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 W STATE ST, COLDWATER, MI 49036-1041

Mortgage

Document Number	0202002416
Date	Apr 13, 2020
Instrument	2020-02416

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 285 W State St was $4,416, up 3.7% from the year before.

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		$148,000 (+23.33%)	$296,000 (+23.33%)
2025	$4,416.00 (+3.69%)	$120,000	$240,000
2024	$4,259.00

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

Flood

FEMA maps place 285 W State St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 285 W State 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 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.

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 286 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20