296 E Girard Rd, Coldwater, MI 49036 Property Records

Branch County property record for 296 E Girard Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	20.5 acres (892,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Aug 2024)
Tax Bill	$8,042 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`030-017-400-015-01`

Property Details

APN / Parcel Number

Primary APN	`030-017-400-015-01`

Exterior

Lot Area	892,980 sqft (20.5 acres)

Location & Zoning

Street Address	296 E GIRARD RD
City	COLDWATER
State	MI
Zip	49036-8604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIRARD TWP/T5S R6W SEC SEC'S 16 & 17: PART SW1/4 OF SEC 16 & SE1/4 SEC 17 DESC AS BEG SE COR OF SEC 17 TH N89DEG 37'07W
Jurisdiction	BRANCH MI
Township / Civil Division	GIRARD
Census Block Group	2
Census Block	2053
Census Tract	950100

Owner

Source: Branch County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage KELLOGG COMMUNITY CREDIT UNION
Aug 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage GVC MORTGAGE INC
Mar 3, 2023	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST CO
May 28, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTURY BANK & TRUST CO
Feb 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Prior Sale	May 28, 2021 · Amount on Record
Deed Document Number	20244251
Prior Transfer Date	Dec 19, 2016
Prior Transfer Doc	201607845
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Jul 10, 2026
Property Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Document Number	0000004313
Instrument Date	Jul 7, 2026
Instrument	20264313
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004313,
Date	Jul 10, 2026
Instrument	20264313

Lender

Name	KELLOGG COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 MORSE ST, COLDWATER, MI 49036-1458
Investor	Possibly a Property Investor

Mortgage

Document Number	0202404252
Date	Aug 16, 2024
Instrument	2024-04252

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company
Address	600 CORPORATION DR STE 200, PENDLETON, IN 46064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Investor	Possibly a Property Investor

Mortgage

Document Number	0202301013
Date	Mar 3, 2023
Instrument	2023-01013

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202101988
Date	Mar 22, 2021
Instrument	2021-01988

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 28, 2021
Property Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Document Number	202104355
Instrument Date	Mar 21, 2021
Instrument	2021-04355
Transaction Type	Transfer
Record Updated	Jun 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,033.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	296 E GIRARD RD, 296, COLDWATER, MI 49036-8604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 NORTHSHORE DR, COLDWATER, MI 49036-1267
Investor	Possibly a Property Investor

Mortgage

Document Number	202104356
Date	May 28, 2021
Instrument	2021-04356

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 27, 2017
Property Address	296 E GIRARD RD, COLDWATER, MI 49036-8604
Document Number	201701218
Instrument Date	Feb 7, 2017
Instrument	2017-01218
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 E GIRARD RD, 229, UNION CITY, MI 49094-9783

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E GIRARD RD, UNION CITY, MI 49094-9783

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Girard Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,650 (-13.02%)	$521,300 (-13.02%)
2025	$8,042.00 (+14.95%)	$299,650	$599,300
2024	$6,996.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	6 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 85% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
DMCI Broadband Fixed Wireless	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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