360 Western Ave, Coldwater, MI 49036 Property Records

Branch County property record for 360 Western Ave, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,944 sqft · built 1974
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Apr 2012)
Tax Bill	$5,174 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-956-00`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-956-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,944 sqft Living Area
1st Floor Area	1,944 sqft
Basement Area	1,764 sqft
Unfinished Basement	1,764 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	18,295 sqft (0.42 acres)
Garage Area	1,056 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	360 WESTERN AVE
City	COLDWATER
State	MI
Zip	49036-1044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 CHAPMAN MEADOWS SEC 16 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	16
Legal Subdivision	CHAPMAN MEADOWS
Legal Lot Number	5
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3006
Census Tract	951500

Owner

360 Western Ave is owned and occupied by two individuals who bought it in April 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	360 WESTERN AVE, COLDWATER, MI 49036-1044
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
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CREDIT UNION
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2012 · Amount on File
Deed Sale	Apr 13, 2012 · Amount on File
Prior Sale	Oct 30, 1998 · Amount on File
Deed Document Number	20122381
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Jun 5, 2026
Property Address	360 WESTERN AVE, COLDWATER, MI 49036-1044
Document Number	0000003643
Instrument Date	May 27, 2026
Instrument	20263643
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	360 WESTERN AVE, COLDWATER, MI 49036-1044

Mortgage

Document Number	0000003643,
Date	Jun 5, 2026
Instrument	20263643

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	360 WESTERN AVE, COLDWATER, MI 49036-1044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202008301
Date	Dec 7, 2020
Instrument	2020-08301

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 360 Western Ave was $5,174, 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		$185,850 (+11.79%)	$371,700 (+11.79%)
2025	$5,174.00 (+3.67%)	$166,250	$332,500
2024	$4,991.00

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

Flood

FEMA maps place 360 Western Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 360 Western Ave 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 108 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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