430 E Chicago St, Coldwater, MI 49036 Property Records

Branch County property record for 430 E Chicago St, Coldwater, MI 49036

Property Summary

Property Type	Commercial
Details	4,723 sqft · built 1973
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jan 1995)
Tax Bill	$16,745 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-243-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-243-00`

Interior

Building Area	4,723 sqft Building Perimeter

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	65,776 sqft (1.51 acres)

Location & Zoning

Street Address	430 E CHICAGO ST
City	COLDWATER
State	MI
Zip	49036
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COM AT NW COR E CHICAGO ST MANOR TH S 77DEG 26MIN E 244.45 FT TH S 09DEG 50MIN W 300 FT TH N 77DEG 26MIN W 189.85 FT TH N
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3002
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 Individual Names on Record
Mailing Address	1620 ALLENS RIDGE DR N, PALM HARBOR, FL 34683-4848
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Jul 11, 2022	Intrafamily Transfer, Transfer TITLE MATTERS LLC, TITLE MATTERS
Nov 12, 2019	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 1995 · Amount on Record
Deed Sale	Jan 6, 1995 · Amount on Record
Deed Book / Page	636 / 571
Last Transfer Date	Jun 22, 2022
Transfer Doc	0202204819
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	430 E CHICAGO ST, COLDWATER, MI 49036-2003
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 ALLENS RIDGE DR N, PALM HARBOR, FL 34683-4848

Mortgage

Document Number	0202206184
Date	Sep 16, 2022
Instrument	2022-06184

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Jul 11, 2022
Property Address	430 E CHICAGO ST, COLDWATER, MI 49036-2003
Document Number	0202204819
Instrument Date	Jun 22, 2022
Instrument	2022-04819
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TITLE MATTERS LLC, TITLE MATTERS

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 ALLENS RIDGE DR N, 1620, PALM HARBOR, FL 34683-4848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 ALLENS RIDGE DR N, PALM HARBOR, FL 34683-4848

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	430 E CHICAGO ST, COLDWATER, MI 49036-2003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201907187
Date	Nov 12, 2019
Instrument	2019-07187

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$463,850 (+9.22%)	$927,700 (+9.22%)
2025	$16,745.00 (+3.49%)	$424,700	$849,400
2024	$16,180.00

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	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	Not rated no burnable land within 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 224 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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