Branch County property record for 431 River Rd, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,264 sqft · built 1977 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $152,000 (Dec 2018) |
| Tax Bill | $1,918 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2017 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-A30-000-026-00 |
| Primary APN | 070-A30-000-026-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,264 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 1,264 sqft |
| Unfinished Basement | 1,264 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 169 ft deep x 81 ft wide |
| Garage Area | 560 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 431 RIVER RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-9277 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 26 ALMARY SHORES SEC 17 T6S R6W |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 17 |
| Legal Subdivision | ALMARY SHORES |
| Legal Lot Number | 26 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 951302 |
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 | 431 RIVER RD, COLDWATER, MI 49036-9277 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CENTER LLC |
| Jun 9, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU |
| Dec 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2018 · Amount on Record |
| Deed Sale | Dec 6, 2018 · Amount on Record |
| Prior Sale | Jun 24, 2014 · Amount on Record |
| Deed Document Number | 20187924 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 431 RIVER RD, COLDWATER, MI 49036-9277 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202101211 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021-01211 |
| Name | MORTGAGE CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48076 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 431 RIVER RD, COLDWATER, MI 49036-9277 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201704012 |
|---|---|
| Date | Jun 9, 2017 |
| Instrument | 2017-04012 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Address | BERRIEN SPRINGS, MI 49103 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 26, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Dec 6, 2018 |
| Property Address | 431 RIVER RD, COLDWATER, MI 49036-9277 |
| Document Number | 201807924 |
| Map Reference | LB5 PG79 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 2018-07924 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,307.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 431 RIVER RD, 431, COLDWATER, MI 49036-9277 |
| Name | Verified Name |
|---|---|
| Address | 863 BURR OAK RD, BRONSON, MI 49028-9401 |
| Document Number | 201807925 |
|---|---|
| Date | Dec 6, 2018 |
| Instrument | 2018-07925 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Coldwater Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,700 (+1.79%) | $193,400 (+1.79%) | |
| 2025 | $1,918.00 (+2.62%) | $95,000 | $190,000 |
| 2024 | $1,869.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Nearby Flood Policies | 20 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 98% of the US · lower than 95% 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
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