52 Cutter Ave, Coldwater, MI 49036 Property Records

Branch County property record for 52 Cutter Ave, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,268 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$43,000 (Nov 2013)
Tax Bill	$2,247 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-475-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-475-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,268 sqft Building Perimeter
1st Floor Area	1,268 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	10,890 sqft (0.25 acres)
Garage Area	308 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	52 CUTTER AVE
City	COLDWATER
State	MI
Zip	49036-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 3 RDS IN WIDTH OF FOL COM AT NE COR OF LOT DEEDED M CHRONISTER TO T CUNNINGHAM L 22 P345 TH E ON S LI CUTTER AVE 6 RDS TH S
Legal Subdivision	CUTTER ADD
Legal Lot Number	68
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1018
Census Tract	951400

Owner

52 Cutter Ave is owned and occupied by an individual who bought it in November 2013.

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

Owner of Record	Individual Name on File
Mailing Address	52 CUTTER AVE, COLDWATER, MI 49036-1514
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2013 · Amount on File
Deed Sale	Nov 14, 2013 · Amount on File
Prior Sale	Mar 7, 2011 · Amount on File
Deed Document Number	20138030
Prior Transfer Date	Jul 13, 2005
Prior Transfer Doc	1083/0292
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	52 CUTTER AVE, COLDWATER, MI 49036-1514
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 CUTTER AVE, COLDWATER, MI 49036-1514

Mortgage

Document Number	0202303370
Date	Jun 21, 2023
Instrument	2023-03370

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	52 CUTTER AVE, COLDWATER, MI 49036-1514
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202104596
Date	Jun 9, 2021
Instrument	2021-04596

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 52 Cutter Ave was $2,247, up 3.5% from the year before.

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		$64,100 (+12.55%)	$128,200 (+12.55%)
2025	$2,247.00 (+3.5%)	$56,950	$113,900
2024	$2,171.00

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

Flood

FEMA maps place 52 Cutter Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 52 Cutter Ave is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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 472 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

May also be available: Verizon.

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