Branch County property record for 397 E Southern Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $241,800 (Nov 2015) |
| Tax Bill | $3,969 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-009-400-005-04 |
| Primary APN | 150-009-400-005-04 |
|---|
| Lot Area | 87,120 sqft (2 acres) |
|---|
| Street Address | 397 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 3263.93 FT TO C/L OF E SOUTHERN RD TH S 78DEG E ALG SD C/L 1068.86 FT TO POB TH CONT S |
| 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 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 334 S MATTESON ST, BRONSON, MI 49028-1513 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO |
| Jan 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2015 · Amount on Record |
| Deed Sale | Nov 6, 2015 · Amount on Record |
| Deed Document Number | 20156989 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 397 E SOUTHERN RD, COLDWATER, MI 49036-8029 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 397 E SOUTHERN RD, COLDWATER, MI 49036-8029 |
| Document Number | 0202109322 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 2021-09322 |
| Name | STURGIS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | STURGIS, MI 49091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 397 E SOUTHERN RD, COLDWATER, MI 49036-8029 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100083 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 2021-00083 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | STURGIS, MI 49091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 177 Months |
| Due | Oct 1, 2035 |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Kinderhook Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $241,000 (+7.49%) | $482,000 (+7.49%) | |
| 2025 | $3,969.00 (+2.61%) | $224,200 | $448,400 |
| 2024 | $3,868.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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