475 W Chicago Rd, Coldwater, MI 49036 Property Records

Branch County property record for 475 W Chicago Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,798 sqft
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,413 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Aug 2016 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`060-033-300-030-01`

Property Details

APN / Parcel Number

Primary APN	`060-033-300-030-01`

Interior

Full Baths	1 Bath
Building Area	1,798 sqft Building Perimeter
1st Floor Area	1,474 sqft
Basement Area	1,474 sqft
Unfinished Basement	1,474 sqft

Exterior

Lot Area	95,832 sqft (2.2 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	475 W CHICAGO RD
City	COLDWATER
State	MI
Zip	49036-9337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW COR OF SEC TH N 51.70 FT TO C/L OF HWY US 12 TH NELY ALG SD C/L 1139 FT M/L TO POB TH S 192 FT TH NELY 490 FT TH N
Legal Range	07W
Legal Township	06S
Legal Section	33
Jurisdiction	BRANCH MI
Township / Civil Division	BATAVIA
Census Block Group	3
Census Block	3007
Census Tract	951200

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	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 11, 2016	Deed of Trust, Mortgage · Conventional Mortgage OAK MORTGAGE LLC
Aug 15, 2016	Deed of Trust, Mortgage · Line of Credit STURGIS BANK & TRUST CO
Jan 9, 2018	Deed of Trust, Mortgage · Line of Credit WYNETTE THOMAS
Oct 7, 2013	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage STURGIS BANK AND TRUST COMPANY
Jun 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TRUST COMPANY
Jan 9, 2018	Deed of Trust, Mortgage · Line of Credit WYNETTE THOMAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 9, 2026
Transfer Doc	0000003733
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337

Mortgage

Document Number	0202200156
Date	Jan 10, 2022
Instrument	2022-00156

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Transaction Type	Mortgage
Record Updated	Jun 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201604941
Date	Aug 11, 2016
Instrument	2016-04941

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company
Address	STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2036

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201604987
Date	Aug 15, 2016
Instrument	2016-04987

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	STURGIS, MI 49091

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201800145
Date	Jan 9, 2018
Instrument	2018-00145

Lender

Name	WYNETTE THOMAS
Type	Private Party
Address	00000

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201307155
Date	Oct 7, 2013
Instrument	2013-07155

Lender

Name	PNC BANK NA
Type	Bank
Address	BRONSON, MI 49028

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 10, 2026
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Document Number	0000003733
Instrument Date	Jun 9, 2026
Instrument	20263733
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OAK TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337

Mortgage

Document Number	0000003734,
Date	Jun 10, 2026
Instrument	20263734

Lender

Name	STURGIS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 10, 2026
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Document Number	0202603733
Instrument Date	Jun 9, 2026
Instrument	20263733
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	OAK TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337

Mortgage

Document Number	0000003734,
Date	Jun 10, 2026
Instrument	20263734

Lender

Name	TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	475 W CHICAGO RD, COLDWATER, MI 49036-9337
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800145
Date	Jan 9, 2018
Instrument	2018-00145

Lender

Name	WYNETTE THOMAS
Type	Private Party
Address	00000

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Batavia Township
Unified School District	Bronson Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,018 (-2.18%)	$160,036 (-2.18%)
2025	$1,413.00 (+2.69%)	$81,799	$163,598
2024	$1,376.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 89% 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 15 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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