38 Stevens St, Coldwater, MI 49036 Property Records

Branch County property record for 38 Stevens St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 833 sqft · built 1954
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Nov 1999)
Tax Bill	$1,054 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-575-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-575-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	833 sqft Living Area
1st Floor Area	833 sqft
Basement Area	157 sqft
Unfinished Basement	157 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Lot Area	10,890 sqft (0.25 acres)
Garage Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 STEVENS ST
City	COLDWATER
State	MI
Zip	49036-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 H C CLARK ADDN SEC 12 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	12
Legal Subdivision	H C CLARK ADD
Legal Lot Number	30
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3026
Census Tract	951400

Owner

Source: Branch County records, as of August 6, 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	377 GREEN RD, CAWOOD, KY 40815
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Jan 26, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 1999 · Amount on Record
Deed Sale	Nov 15, 1999 · Amount on Record
Deed Book / Page	784 / 35
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	38 STEVENS ST, COLDWATER, MI 49036-2137
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202304659
Date	Aug 28, 2023
Instrument	2023-04659

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Jan 26, 2018
Property Address	38 STEVENS ST, COLDWATER, MI 49036-2137
Document Number	201800589
Instrument Date	Jan 24, 2018
Instrument	2018-00589
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1609 WILDWOOD RD, QUINCY, MI 49082

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		$50,050 (+14.53%)	$100,100 (+14.53%)
2025	$1,054.00 (+3.54%)	$43,700	$87,400
2024	$1,018.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 98% of the US · lower than 95% 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)
Frontier Fiber	7,000 / 7,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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