40 E Montgomery St, Coldwater, MI 49036 Property Records

Branch County property record for 40 E Montgomery St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 888 sqft · built 1970
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$38,500 (Dec 2020)
Tax Bill	$1,047 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-242-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-242-00`

Interior

Full Baths	1 Bath
Building Area	888 sqft Building Perimeter
1st Floor Area	888 sqft
Basement Area	412 sqft
Unfinished Basement	412 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	40 E MONTGOMERY ST
City	COLDWATER
State	MI
Zip	49036-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 44 1/2 FT OF LOT 49 E O LANPHERE ADDN SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	E O LANPHERE ADD
Legal Lot Number	49
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1016
Census Tract	951500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Marshall Street Historic District listed 1990 · 349 contributing resources · NRIS 90001123

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	40 E MONTGOMERY ST, COLDWATER, MI 49036-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2020 · Amount on Record
Deed Sale	Dec 4, 2020 · Amount on Record
Prior Sale	Jul 10, 1998 · Amount on Record
Deed Document Number	20208237
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Dec 4, 2020
Property Address	40 E MONTGOMERY ST, COLDWATER, MI 49036-1440
Document Number	202008237
Map Reference	MB 1 PG 34
Instrument Date	Dec 1, 2020
Instrument	2020-08237
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$331.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 FLEMING RD, 424, TEKONSHA, MI 49092-9660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E MONTGOMERY ST, COLDWATER, MI 49036-1440

Mortgage

Document Number	202008238
Date	Dec 4, 2020
Instrument	2020-08238

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	Jan 1, 2035

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		$47,250 (+34.42%)	$94,500 (+34.42%)
2025	$1,047.00 (+3.66%)	$35,150	$70,300
2024	$1,010.00

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · rainfall accumulation

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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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