46 Stevens St, Coldwater, MI 49036 Property Records

Branch County property record for 46 Stevens St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1976
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (May 2025)
Tax Bill	$1,817 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-577-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-577-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,188 sqft Building Perimeter
1st Floor Area	792 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	46 STEVENS ST
City	COLDWATER
State	MI
Zip	49036-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 H C CLARK ADDN SEC 21 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	21
Legal Subdivision	H C CLARK ADD
Legal Lot Number	28
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3026
Census Tract	951400

Owner

Source: Branch County records, as of July 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	790 S RAY QUINCY RD, MONTGOMERY, MI 49255-9724
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jul 23, 2019	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Nov 19, 2018	Warranty Deed, Transfer BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Aug 16, 2022 · Amount on Record
Deed Document Number	20253080
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Aug 16, 2022
Property Address	46 STEVENS ST, COLDWATER, MI 49036-2137
Document Number	0202205573
Map Reference	LB 2 PG 35
Instrument Date	Aug 10, 2022
Instrument	2022-05573
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$918.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 STEVENS ST, 46, COLDWATER, MI 49036-2137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2625 SANFORD DR, HILLSDALE, MI 49242-9328

Mortgage

Document Number	0202205574
Date	Aug 16, 2022
Instrument	2022-05574

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 19, 2021
Property Address	46 STEVENS ST, COLDWATER, MI 49036-2137
Document Number	202100421
Map Reference	LB 2 PG 35
Instrument Date	Jan 11, 2021
Instrument	2021-00421
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 STEVENS ST, 46, COLDWATER, MI 49036-2137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N GORHAM ST, FAYETTE, OH 43521-7732

Mortgage

Document Number	202100422
Date	Jan 19, 2021
Instrument	2021-00422

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 23, 2019
Property Address	46 STEVENS ST, COLDWATER, MI 49036-2137
Document Number	201904642
Map Reference	LB 2 PG 35
Instrument Date	Jul 18, 2019
Instrument	2019-04642
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$683.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 TRIPP RD, 440, COLDWATER, MI 49036-9371

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	344 ORLAND RD, BRONSON, MI 49028-9702
Investor	Possibly a Property Investor

Mortgage

Document Number	201904643
Date	Jul 23, 2019
Instrument	2019-04643

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Nov 19, 2018
Property Address	46 STEVENS ST, COLDWATER, MI 49036-2137
Document Number	201807582
Map Reference	LB2 PG35
Instrument Date	Nov 16, 2018
Instrument	2018-07582
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	925 JONESVILLE RD, 925, QUINCY, MI 49082-9457

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	498 S FREMONT RD, READING, MI 49274

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		$59,350 (+11.67%)	$118,700 (+11.67%)
2025	$1,817.00 (+3.65%)	$53,150	$106,300
2024	$1,753.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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.

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.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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