Genesee County property record for 3445 W Coldwater Rd, Mount Morris, MI 48458
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Aug 2020) |
| Tax Bill | $3,080 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-22-501-018 |
| Primary APN | 14-22-501-018 |
|---|
| Lot Area | 20,038 sqft (0.46 acres) |
|---|
| Street Address | 3445 W COLDWATER RD |
|---|---|
| City | MOUNT MORRIS |
| State | MI |
| Zip | 48458-9401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18 CARL MILLER PLAT |
| Legal Subdivision | CARL MILLER PLAT |
| Legal Lot Number | 18 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | MOUNT MORRIS |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 10504 |
3445 W Coldwater Rd is owned by two individuals who bought it in August 2020.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3411 W COLDWATER RD, MOUNT MORRIS, MI 48458-9401 |
| 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.
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Aug 31, 2020 | Warranty Deed, Transfer LIBERTY TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on File |
| Deed Sale | Aug 31, 2020 · Amount on File |
| Deed Document Number | 202060133 |
| Prior Transfer Date | Jan 5, 2009 |
| Prior Transfer Doc | 0000001287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 3445 W COLDWATER RD, MOUNT MORRIS, MI 48458-9401 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000059059 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 202008260059059 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Aug 31, 2020 |
| Property Address | 3445 W COLDWATER RD, MOUNT MORRIS, MI 48458-9401 |
| Document Number | 202008310060133 |
| Map Reference | LB 27 PG 15 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 202008310060133 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LIBERTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $688.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8205 W MOUNT MORRIS RD, 8205, FLUSHING, MI 48433-8854 |
| Name | Verified Name |
|---|---|
| Address | 14817 SW 161ST ST, MIAMI, FL 33187-1428 |
The 2025 property tax bill for 3445 W Coldwater Rd was $3,080, up 29.1% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Mount Morris Township |
| Unified School District | Westwood Heights Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $45,100 (-11.22%) | $90,200 (-11.22%) | |
| 2025 | $3,080.00 (+29.09%) | $50,800 | $101,600 |
| 2024 | $2,386.00 | ||
| 2023 | $40,200 | $80,400 | |
| 2019 | $1,706.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3445 W Coldwater Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · 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 | 1 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 risk around 3445 W Coldwater 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 97% of the US · lower than 93% 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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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