494 E Pearl Rd, Coldwater, MI 49036 Property Records

Branch County property record for 494 E Pearl Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (May 2019)
Tax Bill	$3,259 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-027-400-065-02`

Property Details

APN / Parcel Number

Primary APN	`110-027-400-065-02`

Exterior

Lot Area	14,810 sqft (0.34 acres)

Location & Zoning

Street Address	494 E PEARL RD
City	COLDWATER
State	MI
Zip	49036-9775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 187.7 FT W OF MEANDER POST BET SEC 27 & 34, THW 75 FT, TH N 01DEG 30MIN E 200 FT, TH E 75 FT, TH S 01DEG 30 MIN W 200 FT
Legal Range	06W
Legal Township	07S
Legal Section	27
Jurisdiction	BRANCH MI
Township / Civil Division	OVID
Census Block Group	2
Census Block	2002
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	Individual Name on Record
Mailing Address	494 E PEARL RD, COLDWATER, MI 49036-9775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
May 1, 2019	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Feb 14, 2019	Deed, Transfer BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2019 · Amount on Record
Deed Sale	May 1, 2019 · Amount on Record
Prior Sale	Feb 14, 2019 · Amount on Record
Deed Document Number	20192667
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	494 E PEARL RD, COLDWATER, MI 49036-9775
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202001940
Date	Apr 9, 2020
Instrument	2020-01940

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	May 1, 2034

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 1, 2019
Property Address	494 E PEARL RD, COLDWATER, MI 49036-9775
Document Number	201902667
Instrument Date	Apr 30, 2019
Instrument	2019-02667
Transaction Type	Transfer
Record Updated	Jun 8, 2021
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	$2,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	591 PEARL BEACH RD, 591, COLDWATER, MI 49036-8070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 COLE ST, QUINCY, MI 49082-1105
Investor	Possibly a Property Investor

Mortgage

Document Number	201902668
Date	May 1, 2019
Instrument	2019-02668

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2034

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 14, 2019
Property Address	494 E PEARL RD, COLDWATER, MI 49036-9775
Document Number	201900781
Instrument Date	Feb 7, 2019
Instrument	2019-00781
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	$2,433.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	284 TONO LN, 284, WALNUT CREEK, CA 94597-2046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 PEARL BEACH RD, COLDWATER, MI 49036-8070

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Ovid Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,848 (+1.48%)	$295,696 (+1.48%)
2025	$3,259.00 (+2.58%)	$145,693	$291,386
2024	$3,177.00

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 97% of the US · lower than 93% 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
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, Mercury Fiber.

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