515 E Chicago St, Coldwater, MI 49036 Property Records

Branch County property record for 515 E Chicago St, Coldwater, MI 49036

Property Summary

Property Type	Commercial
Details	6,790 sqft · built 2007
Lot Size	0.93 acres (40,511 sqft)
Owner	Company Name on Record
Last Sale	$475,000 (Feb 2024)
Tax Bill	$20,134 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Jul 2026 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-995-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-995-00`

Interior

Building Area	6,790 sqft Building Perimeter

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	40,511 sqft (0.93 acres)

Location & Zoning

Street Address	515 E CHICAGO ST
City	COLDWATER
State	MI
Zip	49036-2031
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PAR ON N SI US HWY 12 IN W 1/2 OF NW 1/4 SEC 23 T6S R6W COM AT NW COR SD SEC TH S 1308.59 FT TH E 33 FT TH S 86DEG 40MIN
Legal Range	06W
Legal Township	06S
Legal Section	23
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1000
Census Tract	951400

Owner

Source: Branch County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	200 S FRONTAGE RD, 310, BURR RIDGE, IL 60527-6953
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Construction Mortgage LAKESIDE BANK
Jul 6, 2026	Deed of Trust, Mortgage · Construction Mortgage LAKESIDE BANK
Apr 23, 2026	Special Warranty Deed, Transfer · Line of Credit STATE CENTRAL BANK
Apr 23, 2026	Special Warranty Deed, Transfer · Line of Credit STATE CENTRAL BANK
Feb 1, 2024	Warranty Deed, Transfer · Commercial Mortgage FIRST FSLA OF LAKEWOOD
Oct 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2024 · Amount on Record
Deed Sale	Feb 1, 2024 · Amount on Record
Prior Sale	Sep 24, 2008 · Amount on Record
Deed Document Number	2024458
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Jul 6, 2026
Property Address	515 E CHICAGO ST, COLDWATER, MI 49036-2031
Document Number	0000004240
Instrument Date	Jun 30, 2026
Instrument	20264240
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000004240,
Date	Jul 6, 2026
Instrument	20264240

Lender

Name	LAKESIDE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Dec 30, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Jul 6, 2026
Property Address	515 E CHICAGO ST, COLDWATER, MI 49036-2031
Document Number	0000004238
Instrument Date	Jun 30, 2026
Instrument	20264238
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000004238,
Date	Jul 6, 2026
Instrument	20264238

Lender

Name	LAKESIDE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Dec 30, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Apr 23, 2026
Property Address	515 E CHICAGO ST, COLDWATER, MI 49036-2031
Document Number	0000002522
Instrument Date	Apr 14, 2026
Instrument	20262522
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000002523,
Date	Apr 23, 2026
Instrument	20262523

Lender

Name	STATE CENTRAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Apr 23, 2026
Property Address	515 E CHICAGO ST, COLDWATER, MI 49036-2031
Document Number	0202602522
Instrument Date	Apr 14, 2026
Instrument	20262522
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000002523,
Date	Apr 23, 2026
Instrument	20262523

Lender

Name	STATE CENTRAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Feb 1, 2024
Property Address	515 E CHICAGO ST, COLDWATER, MI 49036-2031
Document Number	0202400458
Instrument Date	Jan 25, 2024
Instrument	2024-00458
Transaction Type	Transfer
Record Updated	Feb 16, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 E CHICAGO ST, COLDWATER, MI 49036-2031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5005 ROCKSIDE RD STE 800, 800, CLEVELAND, OH 44131-6828

Mortgage

Document Number	0202400475
Date	Feb 1, 2024
Instrument	2024-00475

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	515 E CHICAGO ST, COLDWATER, MI 49036-2022
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201806458
Date	Oct 2, 2018
Instrument	2018-06458

Lender

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

Agreement

Type	Commercial Mortgage
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
Municipality	Coldwater City
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$355,100 (+2.91%)	$710,200 (+2.91%)
2025	$20,134.00 (+43.49%)	$345,050 (+50.09%)	$690,100 (+50.09%)
2024	$14,032.00
2023		$229,900	$459,800

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 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	Not rated no burnable land within 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 32 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

May also be available: Spectrum.

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