613 Zale Dr, Coldwater, MI 49036 Property Records

Branch County property record for 613 Zale Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jun 2018)
Tax Bill	$2,816 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`110-F10-000-032-00`

Property Details

APN / Parcel Number

Primary APN	`110-F10-000-032-00`

Exterior

Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	613 ZALE DR
City	COLDWATER
State	MI
Zip	49036-8829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 32 & 33 FEASELS LONG LAKE SUB NO. 2 SEC 13 T7S R6W
Legal Range	06W
Legal Township	07S
Legal Section	13
Legal Subdivision	FEASELS LONG LAKE SUB
Legal Lot Number	32-33
Jurisdiction	BRANCH MI
Township / Civil Division	OVID
Census Block Group	1
Census Block	1013
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	613 ZALE DR, COLDWATER, MI 49036-8829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage MARSHALL COMMUNITY CU
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK & TRUST
Jun 11, 2018	Warranty Deed, Transfer BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT
Jun 11, 2018	Warranty Deed, Transfer · Commercial Mortgage CENTURY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2018 · Amount on Record
Deed Sale	Jun 11, 2018 · Amount on Record
Prior Sale	Aug 26, 1996 · Amount on Record
Deed Document Number	20183858
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	613 ZALE DR, COLDWATER, MI 49036-8829
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 ZALE DR, COLDWATER, MI 49036-8829
Investor	Possibly a Property Investor

Mortgage

Document Number	0202303234
Date	Jun 13, 2023
Instrument	2023-03234

Lender

Name	MARSHALL COMMUNITY CU
Type	Credit Union
Address	MARSHALL, MI 49068

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 1, 2028

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	613 ZALE DR, COLDWATER, MI 49036-8829
Transaction Type	Mortgage
Record Updated	Jan 27, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000183
Date	Jan 9, 2020
Instrument	2020-00183

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 2, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 11, 2018
Property Address	613 ZALE DR, COLDWATER, MI 49036-8829
Document Number	0201803893
Instrument Date	Jun 8, 2018
Instrument	2018-03893
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1601 DIMMERS RD, READING, MI 49274-9586

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 ZALE DR, COLDWATER, MI 49036-8829

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 11, 2018
Property Address	613 ZALE DR, COLDWATER, MI 49036-8829
Document Number	201803858
Map Reference	LB6 PG62
Instrument Date	Jun 5, 2018
Instrument	2018-03858
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,677.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	613 ZALE DR, 613, COLDWATER, MI 49036-8829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	871 N UNION, COLDWATER, MI 49036

Mortgage

Document Number	201803859
Date	Jun 11, 2018
Instrument	2018-03859

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$145,261 (-6.7%)	$290,522 (-6.7%)
2025	$2,816.00 (+2.55%)	$155,687 (+43.29%)	$311,374 (+43.29%)
2024	$2,746.00
2023		$108,655	$217,310

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2007–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2008 · 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 99.1% of the US · lower than 98.4% 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)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Lakeland Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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