440 Spaulding Dr, Coldwater, MI 49036 Property Records

Branch County property record for 440 Spaulding Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$699,000 (Nov 2017)
Tax Bill	$8,875 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`150-S70-000-015-00`

Property Details

APN / Parcel Number

Primary APN	`150-S70-000-015-00`

Exterior

Lot Area	10,454 sqft (0.24 acres)

Location & Zoning

Street Address	440 SPAULDING DR
City	COLDWATER
State	MI
Zip	49036-8038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 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	15
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	Company Name on Record
Mailing Address	440 SPAULDING DR, COLDWATER, MI 49036-8038
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Nov 17, 2017	Warranty Deed, Transfer · ARM RAYMOND JAMES BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2017 · Amount on Record
Deed Sale	Nov 17, 2017 · Amount on Record
Prior Sale	Aug 8, 2000
Deed Document Number	20177776
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	440 SPAULDING DR, COLDWATER, MI 49036-8038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700453
Date	Jan 24, 2017
Instrument	2017-00453

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Nov 17, 2017
Property Address	440 SPAULDING DR, COLDWATER, MI 49036-8038
Document Number	201707776
Map Reference	LB5 PG60
Instrument Date	Nov 7, 2017
Instrument	2017-07776
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,011.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 SPAULDING DR, 440, COLDWATER, MI 49036-8038

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	812 GREENWICH DR, GRAND LEDGE, MI 48837-2412

Mortgage

Document Number	201707777
Date	Nov 17, 2017
Instrument	2017-07777

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	SAINT PETERSBURG, FL 33716

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

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		$543,400 (+22.22%)	$1,086,800 (+22.22%)
2025	$8,875.00 (+1.77%)	$444,600	$889,200
2024	$8,721.00

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 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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