3 Carol Ct, Coldwater, MI 49036 Property Records

Branch County property record for 3 Carol Ct, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,248 sqft · built 1983
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$231,000 (May 2026)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Sep 2005 Mortgage Sep 2008 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-311-28`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-311-28`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,248 sqft Building Perimeter
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	19,166 sqft (0.44 acres)
Garage Area	352 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 CAROL CT
City	COLDWATER
State	MI
Zip	49036-1559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 OF IRWIN PARK MANOR NO 1 IN S 1/2 SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	IRWIN PARK MANOR #1
Legal Lot Number	28
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1013
Census Tract	951400

Owner

3 Carol Ct is owned by two individuals who bought it in May 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3916 N POTSDAM AVE, SIOUX FALLS, SD 57104-7048
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2005	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 26, 2008	Deed of Trust, Mortgage · FHA Mortgage GMAC MORTGAGE LLC
Sep 20, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage QUICKEN LOANS INC
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Feb 23, 2023	Correction Deed · Line of Credit STURGIS BANK & TRUST CO
Jan 12, 2023	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC
Aug 18, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Mar 20, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on File
Deed Sale	May 27, 2026 · Amount on File
Prior Sale	Jan 12, 2023 · Amount on File
Deed Document Number	20263219
Prior Transfer Date	May 6, 2003
Prior Transfer Doc	0959000819
Record Updated	Oct 29, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01092/0909
Date	Sep 20, 2005
Book Page	1092/0909
Instrument	08408

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	20555 VICTOR PKWY, LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.95%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Index	LIBOR

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0200806925
Date	Sep 26, 2008
Instrument	2008-06925

Lender

Name	GMAC MORTGAGE LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2038

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01092/0929
Date	Sep 20, 2005
Book Page	1092/0929
Instrument	08409

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	20555 VICTOR PKWY, LIVONIA, MI 48152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2025

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 27, 2026
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Document Number	0000003219
Instrument Date	May 22, 2026
Instrument	20263219
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200,646.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3916 N POTSDAM AVE, SIOUX FALLS, SD 57104-7048

Mortgage

Document Number	0000003213,
Date	May 27, 2026
Instrument	20263213

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 27, 2026
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Document Number	0202603219
Instrument Date	May 22, 2026
Instrument	20263219
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200,646.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3916 N POTSDAM AVE, SIOUX FALLS, SD 57104-7048

Mortgage

Document Number	0000003213,
Date	May 27, 2026
Instrument	20263213

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

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

February 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 23, 2023
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Document Number	0202300886
Map Reference	LB 4 PG 57
Instrument Date	Jan 28, 2023
Instrument	2023-00886
Record Updated	May 1, 2023
Title Company	PATRIOT ABSTRACT, PATRICK ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202301057
Date	Mar 6, 2023
Instrument	2023-01057

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 12, 2023
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Document Number	0202300181
Map Reference	LB 4 PG 57
Instrument Date	Dec 27, 2022
Instrument	2023-00181
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 CAROL CT, COLDWATER, MI 49036-1559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2678 CUTLASS ST, WAYLAND, MI 49348-9470

Mortgage

Document Number	0202300182
Date	Jan 12, 2023
Instrument	2023-00182

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2030
Change Frequency	Monthly
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	12.5%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Aug 18, 2020
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Document Number	0202005310
Map Reference	LB 4 PG 57
Instrument Date	Aug 14, 2020
Instrument	2020-05310
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	728 N UNION CITY RD, COLDWATER, MI 49036-8250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 LANE 101 BARTON LK, FREMONT, IN 46737-9347

Mortgage

Document Number	0202005311
Date	Aug 18, 2020
Instrument	2020-05311

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Mar 20, 2018
Property Address	3 CAROL CT, COLDWATER, MI 49036-1559
Document Number	0201801599
Instrument Date	Mar 11, 2014
Instrument	2018-01599
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CAROL CT, COLDWATER, MI 49036-1559

Tax Assessment & Valuation

The 2025 property tax bill for 3 Carol Ct was $2,724, 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		$99,400 (+32.45%)	$198,800 (+32.45%)
2025	$2,724.00 (+3.65%)	$75,050	$150,100
2024	$2,628.00

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

FEMA maps place 3 Carol Ct 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

The area around 3 Carol Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 472 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

May also be available: Verizon.

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