Branch County property record for 389 Cottagers Ln, Coldwater, MI 49036 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 6,098 sqft (0.14 acres) |
| Last Sale | $112,500 (2007) |
| Tax Bill | $4,526.00 (2025) |
Source: Branch County records · APN 110-017-300-047-00
Assessment roll updated July 7, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13526 LINCOLN HWY, VAN WERT, OH 45891-9612 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST |
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST |
| Jun 29, 2007 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) THE UNION BANK CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 29, 2007 · Amount on Record |
| Deed Sale | Jun 29, 2007 · Amount on Record |
| Deed Doc Number | 20075096 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 389 COTTAGERS LN, COLDWATER, MI 49036-8903 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202100294 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 2021-00294 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 389 COTTAGERS LN, COLDWATER, MI 49036-8903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100294 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 2021-00294 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Jun 29, 2007 |
| Property Address | 389 COTTAGERS LN, COLDWATER, MI 49036-8903 |
| Document Number | 0200705096 |
| Instrument Date | Jun 27, 2007 |
| Instrument | 2007-05096 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $967.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1121 KRIEFT ST, DELPHOS, OH 45833-1329 |
| Document Number | 0200705097 |
|---|---|
| Date | Jun 29, 2007 |
| Instrument | 2007-05097 |
| Name | THE UNION BANK CO |
|---|
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 01, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 12.7% |
Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Ovid Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,454 (+5.23%) | $300,908 (+5.23%) | |
| 2025 | $4,526.00 (+2.84%) | $142,977 | $285,954 |
| 2024 | $4,401.00 |
Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 7% of the US · above 17% of Michigan |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 110-017-300-047-00 |
|---|
| Lot Area | 6,098 sqft (0.14 acres) |
|---|
| Street Address | 389 COTTAGERS LN |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 80 FT WIDE N & E OF A LI 80 FT NELY FROM & PAR TO A LI FIXED AS FOL COM AT IRONSTAKE ON W LI OF PREMISES OWNED BY CLAUDE |
| Legal Range | 06W |
| Legal Township | 07S |
| Legal Section | 17 |
| Jurisdiction | BRANCH MI |
| Minor Civil Division | OVID |
| Census Blockgroup | 1 |
| Census Block | 1044 |
| Census Tract | 951100 |
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