296 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 296 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,365 sqft · built 1954
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Jul 2023)
Tax Bill	$2,161 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-562-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-562-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,365 sqft Living Area
1st Floor Area	1,365 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Street Address	296 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 11 RDS IN WIDTH OF FOL COM ON N LI OF CUTTER AVE 28 RDS 21 IN E OF W LI OF E 1/2 OF SE 1/4 OF SEC 15 TH E ON N LI OF CUTTER
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1016
Census Tract	951400

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	Individual Name on Record
Mailing Address	296 SMITH ST, COLDWATER, MI 49036-1561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Aug 23, 2006 · Amount on Record
Deed Document Number	20233861
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 17, 2023
Property Address	296 SMITH ST, COLDWATER, MI 49036-1561
Document Number	0202303861
Instrument Date	Jul 12, 2023
Instrument	2023-03861
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,102.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	296 SMITH ST, COLDWATER, MI 49036-1561

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12877 SLASH PASS, FORT WAYNE, IN 46818-0062

Mortgage

Document Number	0202303862
Date	Jul 17, 2023
Instrument	2023-03862

Lender

Name	EVERWISE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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		$88,500 (+64.5%)	$177,000 (+64.5%)
2025	$2,161.00 (-1.37%)	$53,800 (+5.8%)	$107,600 (+5.8%)
2024	$2,191.00
2023		$50,850	$101,700

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	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

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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