432 Spaulding Dr, Coldwater, MI 49036 Property Records

Branch County property record for 432 Spaulding Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Oct 2025)
Tax Bill	$7,101 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`150-S70-000-019-00`

Property Details

APN / Parcel Number

Primary APN	`150-S70-000-019-00`

Exterior

Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	432 SPAULDING DR
City	COLDWATER
State	MI
Zip	49036-8038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 HARRY L SPAULDING BEACH NO 2 SEC 3 T8S R6W
Legal Range	06W
Legal Township	08S
Legal Section	03
Legal Subdivision	HARRY L SPAULDING BEACH #2
Legal Lot Number	19
Jurisdiction	BRANCH MI
Township / Civil Division	KINDERHOOK
Census Block Group	2
Census Block	2019
Census Tract	951000

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	9601 ROCKINGHAM DR, WHITEHOUSE, OH 43571-9052
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS FCU
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage DIRECTIONS CU
Jul 25, 2018	Warranty Deed, Transfer · Conventional Mortgage THREE RIVERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Jul 25, 2018 · Amount on Record
Deed Document Number	20255960
Prior Transfer Date	Jun 4, 1997
Prior Transfer Doc	0694000721
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	432 SPAULDING DR, COLDWATER, MI 49036-8038
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202003096
Date	May 12, 2020
Instrument	2020-03096

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 6, 2025
Property Address	432 SPAULDING DR, COLDWATER, MI 49036-8038
Document Number	0202505960
Map Reference	LB 5 PG 60
Instrument Date	Oct 3, 2025
Instrument	2025-05960
Transaction Type	Transfer
Record Updated	Oct 27, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11126 BARLETTA CV, ROANOKE, IN 46783-8796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9601 ROCKINGHAM DR, WHITEHOUSE, OH 43571-9052

Mortgage

Document Number	0202506092
Date	Oct 6, 2025
Instrument	2025-06092

Lender

Name	DIRECTIONS CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Margin	1
Max Rate	11.1%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 25, 2018
Property Address	432 SPAULDING DR, COLDWATER, MI 49036-8038
Document Number	201804774
Map Reference	LB5 PG60
Instrument Date	Jul 1, 2018
Instrument	2018-04774
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE OF INDIAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,494.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 SAILORS CV, 1005, FORT WAYNE, IN 46845-9109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11126 BARLETTA CV, ROANOKE, IN 46783-8796

Mortgage

Document Number	201804775
Date	Jul 25, 2018
Instrument	2018-04775

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Kinderhook Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$210,900 (+14.62%)	$421,800 (+14.62%)
2025	$7,101.00 (+1.72%)	$184,000	$368,000
2024	$6,981.00

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	May 2013 · river or lake flooding

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
Lakeland Internet Fixed Wireless	100 / 20

May also be available: DMCI Broadband, Frontier, Mercury Fiber.

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