623 S Fall River Dr, Coldwater, MI 49036 Property Records

Branch County property record for 623 S Fall River Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,911 sqft · built 1974
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Oct 2020)
Tax Bill	$2,537 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`070-P20-000-036-00`

Property Details

APN / Parcel Number

Primary APN	`070-P20-000-036-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,911 sqft Building Perimeter
1st Floor Area	1,339 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	20,473 sqft (0.47 acres)
Garage Area	528 sqft

Location & Zoning

Street Address	623 S FALL RIVER DR
City	COLDWATER
State	MI
Zip	49036-9134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 36 ALSO THAT PRT OF LOT 37 LY W OF A LI BEG AT NW COR LOT 37 & RUN TH S 10DEG 51MIN 18SEC E TO S LI SD LOT ALSO BEG AT NW
Legal Range	06W
Legal Township	06S
Legal Section	25
Legal Subdivision	PENN PARK #3
Legal Lot Number	36
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1057
Census Tract	951301

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	623 S FALL RIVER DR, COLDWATER, MI 49036-9134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit TRUST COMPANY
Sep 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage STURGIS BANK & TRUST CO
Oct 27, 2020	Warranty Deed, Transfer · Conventional Mortgage MARSHALL COMMUNITY CU
Nov 26, 2019	Deed of Trust, Mortgage · Line of Credit MARSHALL COMMUNITY CU
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage MARSHALL COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2020 · Amount on Record
Deed Sale	Oct 27, 2020 · Amount on Record
Prior Sale	Aug 6, 2009 · Amount on Record
Deed Document Number	20207318
Prior Transfer Date	Apr 23, 2001
Prior Transfer Doc	0839000547
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Aug 12, 2026
Property Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134
Document Number	0000005081
Instrument Date	Aug 5, 2026
Instrument	20265081
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134

Mortgage

Document Number	0000005081,
Date	Aug 12, 2026
Instrument	20265081

Lender

Name	TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 2, 2036

Interest

Rate	4.74%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134

Mortgage

Document Number	0202505735
Date	Sep 25, 2025
Instrument	2025-05735

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank
Address	113 E CHICAGO RD # 125, STURGIS, MI 49091

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2035
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	12.8%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 27, 2020
Property Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134
Document Number	202007318
Instrument Date	Oct 21, 2020
Instrument	2020-07318
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Tax	$688.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1227 SCHULTZ RD, 1227, QUINCY, MI 49082-9712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134

Mortgage

Document Number	202007319
Date	Oct 27, 2020
Instrument	2020-07319

Lender

Name	MARSHALL COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2025

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134
Transaction Type	Mortgage
Record Updated	Dec 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201907566
Date	Nov 26, 2019
Instrument	2019-07566

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 21, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	623 S FALL RIVER DR, COLDWATER, MI 49036-9134
Transaction Type	Mortgage
Record Updated	Jul 3, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201903362
Date	May 31, 2019
Instrument	2019-03362

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jun 1, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,100 (+42.26%)	$292,200 (+42.26%)
2025	$2,537.00 (+2.71%)	$102,700	$205,400
2024	$2,470.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Low lower than 98% of the US · lower than 95% 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 125 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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