4 Grady Ct, Coldwater, MI 49036 Property Records

Branch County property record for 4 Grady Ct, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Company Names on Record
Last Sale	$270,000 (Oct 2025)
Tax Bill	$2,725 (2025)
Deeds & Mortgages	May 2007 Reverse Mortgage Jul 2005 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-343-84`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-343-84`

Interior

Full Baths	1 Bath
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Lot Area	11,761 sqft (0.27 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 GRADY CT
City	COLDWATER
State	MI
Zip	49036-1596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 2 3 & 11 IN F V SMITH'S ADD COM AT SE COR LOT 46 IRWIN PARK MANOR #1 TH N 89DEG 44MIN 13SEC W 90.50 FT ALG S LI LOT 46
Legal Subdivision	IN F V SMITH S ADD
Legal Lot Number	46
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1008
Census Tract	951400

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 Company Names on Record
Mailing Address	180 HENRY ST, COLDWATER, MI 49036-1240
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 7, 2007	Deed of Trust, Mortgage · Reverse Mortgage FINANCIAL FREEDOM SENIOR FUNDING CORP
Jul 8, 2005	Deed of Trust, Mortgage · Line of Credit MONARCH COMMUNITY BANK
Oct 27, 2025	Warranty Deed, Transfer · Conventional Mortgage MARSHALL COMMUNITY CREDIT UNION
Feb 28, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Nov 19, 1998 · Amount on Record
Deed Document Number	20256395
Record Updated	Sep 20, 2026

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	4 GRADY CT, COLDWATER, MI 49036-1596
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200703720
Date	May 7, 2007
Instrument	2007-03720

Lender

Name	FINANCIAL FREEDOM SENIOR FUNDING CORP
Type	Mortgage Company
Address	ATLANTA, GA 30350

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	938 Months
Due	Jul 27, 2085

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Type Change Date	Jul 1, 2007
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	16.4%

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	4 GRADY CT, COLDWATER, MI 49036-1596
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01082/0412
Date	Jul 8, 2005
Book Page	1082/0412
Instrument	06069

Lender

Name	MONARCH COMMUNITY BANK
Type	Bank
Address	375 N WILLOWBROOK RD, COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 27, 2025
Property Address	4 GRADY CT, COLDWATER, MI 49036-1596
Document Number	0202506395
Instrument Date	Oct 17, 2025
Instrument	2025-06395
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 GRADY CT, COLDWATER, MI 49036-1596

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 HENRY ST, COLDWATER, MI 49036-1240
Investor	Possibly a Property Investor

Mortgage

Document Number	0202506396
Date	Oct 27, 2025
Instrument	2025-06396

Lender

Name	MARSHALL COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Feb 28, 2024
Property Address	4 GRADY CT, COLDWATER, MI 49036-1596
Document Number	0202400854
Instrument Date	Feb 26, 2024
Instrument	2024-00854
Transaction Type	Transfer
Record Updated	Mar 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 GRADY CT, COLDWATER, MI 49036-1596

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	358 COPELAND RD, COLDWATER, MI 49036-8107

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		$117,450 (+21.77%)	$234,900 (+21.77%)
2025	$2,725.00 (+3.69%)	$96,450 (+21.93%)	$192,900 (+21.93%)
2024	$2,628.00
2023		$79,100	$158,200

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.

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	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 99.1% of the US · lower than 98.4% 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 472 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

May also be available: Verizon.

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