46 E Montgomery St, Coldwater, MI 49036 Property Records

Branch County property record for 46 E Montgomery St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,538 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Aug 2020)
Tax Bill	$2,317 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Nov 2017 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-240-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-240-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,538 sqft Building Perimeter
1st Floor Area	914 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	7,405 sqft (0.17 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	46 E MONTGOMERY ST
City	COLDWATER
State	MI
Zip	49036-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR BEING PART OF LOT 49 E O LANPHERES ADDN BEING 70 FT N & S BY 104 FT E & W IN NE COR SD LOT NO 49 SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	E O LANPHERES ADD
Legal Lot Number	49
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1016
Census Tract	951500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Marshall Street Historic District listed 1990 · 349 contributing resources · NRIS 90001123

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	46 E MONTGOMERY ST, COLDWATER, MI 49036-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 16, 2017	Warranty Deed, Transfer · Line of Credit CENTURY BANK & TRUST
May 25, 2017	Intrafamily Transfer, Transfer · ARM CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Nov 16, 2017 · Amount on Record
Deed Document Number	20204956
Prior Transfer Date	Jul 7, 1995
Prior Transfer Doc	0645000874
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Aug 4, 2020
Property Address	46 E MONTGOMERY ST, COLDWATER, MI 49036-1440
Document Number	0202004956
Instrument Date	Jul 30, 2020
Instrument	2020-04956
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 E MONTGOMERY ST, COLDWATER, MI 49036-1440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 NORTHCREST RD, AMO, IN 46103

Mortgage

Document Number	0202004958
Date	Aug 4, 2020
Instrument	2020-04958

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Nov 16, 2017
Property Address	46 E MONTGOMERY ST, COLDWATER, MI 49036-1440
Document Number	0201707755
Instrument Date	Nov 13, 2017
Instrument	2017-07755
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Tax	$103.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 BISHOP AVE, COLDWATER, MI 49036-1012

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	46 E MONTGOMERY ST # WE, WE, COLDWATER, MI 49036-1440

Mortgage

Document Number	0201707746
Date	Nov 16, 2017
Instrument	2017-07746

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	May 25, 2017
Property Address	46 E MONTGOMERY ST, COLDWATER, MI 49036-1440
Document Number	0201703681
Instrument Date	May 16, 2017
Instrument	2017-03681
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 E MONTGOMERY ST, COLDWATER, MI 49036-1440

Mortgage

Document Number	0201703682
Date	May 25, 2017
Instrument	2017-03682

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	10.5%

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		$110,300 (+35.34%)	$220,600 (+35.34%)
2025	$2,317.00 (+3.67%)	$81,500 (+38.37%)	$163,000 (+38.37%)
2024	$2,235.00
2023		$58,900	$117,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · rainfall accumulation

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 99.1% of the US · lower than 98.4% 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.

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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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