Branch County property record for 388 Whispering Ln, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,151 sqft · built 1998 |
| Lot Size | 13.3 acres (581,526 sqft) |
| Owner | Individual Name on File |
| Last Sale | $485,000 (Oct 2020) |
| Tax Bill | $3,781 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-004-200-005-02 |
| Primary APN | 070-004-200-005-02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,151 sqft Living Area |
| 1st Floor Area | 2,151 sqft |
| Basement Area | 2,151 sqft |
| Unfinished Basement | 2,151 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Lot Area | 581,526 sqft (13.3 acres) |
| Garage Area | 1,968 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 388 WHISPERING LN |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-8248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | COM AT NE COR OF NE 1/4 TH S 1807.67 FT TO POB TH N 89DEG 42MIN 36SEC W 303.53 FT TH S PAR TO E SEC LI 193.62 FT TH N 89DEG |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 04 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 951302 |
388 Whispering Ln is owned and occupied by an individual who bought it in October 2020.
Source: Branch County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 388 WHISPERING LN, COLDWATER, MI 49036-8248 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2020 · Amount on File |
| Deed Sale | Oct 9, 2020 · Amount on File |
| Deed Document Number | 20206857 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Oct 9, 2020 |
| Property Address | 388 WHISPERING LN, COLDWATER, MI 49036-8248 |
| Document Number | 202006857 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 2020-06857 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,171.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 388 WHISPERING LN, 388, COLDWATER, MI 49036-8248 |
| Name | Verified Name |
|---|---|
| Address | 7726 E ML AVE, KALAMAZOO, MI 49048-8553 |
| Document Number | 202006858 |
|---|---|
| Date | Oct 9, 2020 |
| Instrument | 2020-06858 |
| Name | ARBOR FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 388 Whispering Ln was $3,781, up 2.7% from the year before.
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Coldwater Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $257,400 (+17.43%) | $514,800 (+17.43%) | |
| 2025 | $3,781.00 (+2.69%) | $219,200 | $438,400 |
| 2024 | $3,682.00 |
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.
FEMA maps place 388 Whispering Ln 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 | 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 388 Whispering Ln 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 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Coldwater Board of Public Utilities, DMCI Broadband.
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