49 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 49 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,179 sqft · built 1957
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$10,232 (Sep 2016)
Tax Bill	$1,345 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-326-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-326-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,179 sqft Living Area
1st Floor Area	1,179 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Lot Area	17,860 sqft (0.41 acres)
Garage Area	624 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	49 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 12 BLK 11 OF F V SMITH ADD
Legal Subdivision	F V SMITH ADD
Legal Block	11
Legal Lot Number	12
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1013
Census Tract	951400

Owner

Source: Branch County records · APN 302-000-000-326-00

Assessment roll updated July 7, 2026 · Last verified July 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 File
Mailing Address	49 SMITH ST, COLDWATER, MI 49036-1533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 08, 2016 · Amount on Record
Deed Sale	Sep 08, 2016 · Amount on Record
Prior Sale	Dec 01, 1975 · Amount on Record
Deed Document Number	20165553
Last Transfer Date	May 03, 2021
Transfer Doc	202103946
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	May 13, 2021
Property Address	49 SMITH ST, COLDWATER, MI 49036-1533
Document Number	202103946
Map Reference	LB 2 PG 11
Instrument Date	May 03, 2021
Instrument	2021-03946
Transaction Type	Transfer
Record Updated	Jun 03, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SMITH ST, COLDWATER, MI 49036-1533
Investor	Possibly a Property Investor

Mortgage

Document Number	202103947
Date	May 13, 2021
Instrument	2021-03947

Lender

Name	HONOR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,250 (+69.56%)	$156,500 (+69.56%)
2025	$1,345.00 (+3.7%)	$46,150	$92,300
2024	$1,297.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260239514001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 472 locations within half a mile · Last verified October 2026

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

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	COLDWATER serves 13,822 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.