292 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 292 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,626 sqft · built 1999
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$158,770 (Oct 2021)
Tax Bill	$3,299 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-561-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-561-00`

Interior

Full Baths	2 Baths
Building Area	1,626 sqft Living Area
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modular
Lot Area	19,602 sqft (0.45 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	292 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 12 RDS N OF N LI OF CUTTER AVE & 22 RDS 21 IN E OF W LI OF E 1/2 OF SE 1/4 OF SEC 15 T6S R6W TH N 12 RDS TH E 6 RDS TH S
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	SECOND WARD
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1016
Census Tract	951400

Owner

292 Smith St is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	292 SMITH ST, COLDWATER, MI 49036-1561
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
Oct 11, 2021	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
Sep 11, 2020	Warranty Deed, Transfer BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2021 · Amount on File
Deed Sale	Oct 11, 2021 · Amount on File
Prior Sale	Sep 11, 2020 · Amount on File
Deed Document Number	20217676
Prior Transfer Date	Jun 7, 1999
Prior Transfer Doc	0767000998
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 11, 2021
Property Address	292 SMITH ST, COLDWATER, MI 49036-1561
Document Number	202107676
Instrument Date	Oct 11, 2021
Instrument	2021-07676
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,367.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	292 SMITH ST, 292, COLDWATER, MI 49036-1561

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202107677
Date	Oct 11, 2021
Instrument	2021-07677

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	43091

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Sep 11, 2020
Property Address	292 SMITH ST, COLDWATER, MI 49036-1561
Document Number	202006031
Instrument Date	Sep 9, 2020
Instrument	2020-06031
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 OAKWOOD DR, 27, COLDWATER, MI 49036-8609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1521 FOXRIDGE RUN SW, WINTER HAVEN, FL 33880-2619

Tax Assessment & Valuation

The 2025 property tax bill for 292 Smith St was $3,299, 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		$130,050 (+43.38%)	$260,100 (+43.38%)
2025	$3,299.00 (+3.68%)	$90,700	$181,400
2024	$3,182.00

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

Flood

FEMA maps place 292 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

Wildfire risk around 292 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 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Frontier, Verizon.

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