439 Edgewater Ct, Coldwater, MI 49036 Property Records

Branch County property record for 439 Edgewater Ct, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,500 (Oct 2013)
Tax Bill	$3,416 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-S50-000-098-00`

Property Details

APN / Parcel Number

Primary APN	`150-S50-000-098-00`

Exterior

Lot Area	18,295 sqft (0.42 acres)

Location & Zoning

Street Address	439 EDGEWATER CT
City	COLDWATER
State	MI
Zip	49036-8596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 98 SHAWNEE SHOALS NO 3 SEC 3 T8S R6W
Legal Range	06W
Legal Township	08S
Legal Section	03
Legal Subdivision	SHAWNEE SHOALS #3
Legal Lot Number	98
Jurisdiction	BRANCH MI
Township / Civil Division	KINDERHOOK
Census Block Group	2
Census Block	2013
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	439 EDGEWATER CT, COLDWATER, MI 49036-8596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit MICHIGAN UNITED CU
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2013 · Amount on Record
Deed Sale	Oct 17, 2013 · Amount on Record
Deed Document Number	20137480
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	439 EDGEWATER CT, COLDWATER, MI 49036-8596
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 EDGEWATER CT, COLDWATER, MI 49036-8596
Investor	Possibly a Property Investor

Mortgage

Document Number	0202506690
Date	Nov 12, 2025
Instrument	2025-06690

Lender

Name	MICHIGAN UNITED CU
Type	Credit Union
Address	3501 HAMLIN RD, AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Oct 30, 2040

Interest

Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	439 EDGEWATER CT, COLDWATER, MI 49036-8596
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202004843
Date	Jul 31, 2020
Instrument	2020-04843

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 10, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	439 EDGEWATER CT, COLDWATER, MI 49036-8596
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202004842
Date	Jul 31, 2020
Instrument	2020-04842

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	CLOVERDALE, MI 49035

Agreement

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

Interest

Rate Type	Adjustable Rate
Index	5-Year TN

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		$381,200 (+11.79%)	$762,400 (+11.79%)
2025	$3,416.00 (+2.58%)	$341,000	$682,000
2024	$3,330.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Direct burnable vegetation

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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