389 E Southern Rd, Coldwater, MI 49036 Property Records

Branch County property record for 389 E Southern Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Aug 2003)
Tax Bill	$4,285 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`150-009-400-005-02`

Property Details

APN / Parcel Number

Primary APN	`150-009-400-005-02`

Exterior

Lot Area	28,750 sqft (0.66 acres)

Location & Zoning

Street Address	389 E SOUTHERN RD
City	COLDWATER
State	MI
Zip	49036-8029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR OF E 1/2 OF NE 1/4 TH S 3264.58 FT TH S 78DEG E 629.06 FT TO BEG TH S 78DEG E 80.11 FT ALG C/L OF E SOUTHERN RD
Legal Range	06W
Legal Township	08S
Legal Section	09
Jurisdiction	BRANCH MI
Township / Civil Division	KINDERHOOK
Census Block Group	2
Census Block	2041
Census Tract	951100

Owner

Source: Branch County records, as of July 7, 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	9615 CORNELL ST, TAYLOR, MI 48180-3429
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Dec 5, 2019	Deed of Trust, Mortgage · Construction Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2003 · Amount on Record
Deed Sale	Aug 22, 2003 · Amount on Record
Prior Sale	Jan 21, 1999 · Amount on Record
Deed Book / Page	982 / 91
Last Transfer Date	Dec 12, 2024
Transfer Doc	0202406621
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	389 E SOUTHERN RD, COLDWATER, MI 49036-8029
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100791
Date	Feb 2, 2021
Instrument	2021-00791

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	389 E SOUTHERN RD, COLDWATER, MI 49036-8029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201907768
Date	Dec 5, 2019
Instrument	2019-07768

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 1, 2020

Tax Assessment & Valuation

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Kinderhook Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$133,800 (+7.47%)	$267,600 (+7.47%)
2025	$4,285.00 (+4.56%)	$124,500	$249,000
2024	$4,098.00

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
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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
MetaLINK Technologies Fixed Wireless	200 / 50
Lakeland Internet Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: DMCI Broadband, Frontier, Mercury Fiber, T-Mobile.

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