Branch County property record for 292 Narrows Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,709 sqft · built 1960 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Company Name on File |
| Last Sale | $85,000 (Dec 1998) |
| Tax Bill | $1,603 (2025) |
| Deeds & Mortgages | Mortgage Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-005-200-030-00 |
| Primary APN | 070-005-200-030-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,709 sqft Living Area |
| 1st Floor Area | 1,709 sqft |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 165 ft deep x 106 ft wide |
| Garage Area | 576 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 292 NARROWS RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-9622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | COM 430.37 FT W OF E 1/4 POST & TH W 105.66 FT & TH N 165 FT & TH E 105.66 FT & TH S 165 FT TO POB SEC 5 T6S R6W |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 05 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 950100 |
292 Narrows Rd is owned by a company that acquired it in April 2024.
Source: Branch County records, as of July 7, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 292 NARROWS RD, COLDWATER, MI 49036-9622 |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Deed of Trust, Mortgage | |
| Dec 19, 2017 | Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 12, 1998 · Amount on File |
| Deed Sale | Dec 12, 1998 · Amount on File |
| Deed Book / Page | 752 / 573 |
| Last Transfer Date | Apr 23, 2024 |
| Transfer Doc | 0202402279 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 292 NARROWS RD, COLDWATER, MI 49036-9622 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2018 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 292 NARROWS RD, COLDWATER, MI 49036-9622 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 2017-08448 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 2017-08448 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 10, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 292 Narrows Rd was $1,603, up 2.7% from the year before.
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Coldwater Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $99,500 (+10.56%) | $199,000 (+10.56%) | |
| 2025 | $1,603.00 (+2.69%) | $90,000 | $180,000 |
| 2024 | $1,561.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 292 Narrows Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2008.
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 | 9 in force |
| Nearby Flood Claims | 3 (2008–2021) |
| Most Recent Claim | Jul 2021 · other causes |
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 292 Narrows Rd 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 95% of the US · lower than 89% 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: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Coldwater Board of Public Utilities Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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