628 N Fall River Dr, Coldwater, MI 49036 Property Records

Branch County property record for 628 N Fall River Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,913 sqft · built 1969
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2019)
Tax Bill	$3,852 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`070-P23-000-011-00`

Property Details

APN / Parcel Number

Primary APN	`070-P23-000-011-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	2,913 sqft Living Area
1st Floor Area	2,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Tri-Level
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	628 N FALL RIVER DR
City	COLDWATER
State	MI
Zip	49036-9170
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 11 & E 1/2 LOT 12 PENN SUB NO 4 SEC 25 T6S R6W CITY OF C/W'S WELL HEAD PROTECTION AREA
Legal Range	06W
Legal Township	06S
Legal Section	25
Legal Subdivision	PENN SUB
Legal Lot Number	11-12
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1055
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	628 N FALL RIVER DR, COLDWATER, MI 49036-9170
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 19, 2019	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 3, 2017	Warranty Deed, Transfer · ARM CENTURY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	May 3, 2017 · Amount on Record
Deed Document Number	20194574
Last Transfer Date	Sep 1, 2023
Transfer Doc	0202305075
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Sep 20, 2023
Property Address	628 N FALL RIVER DR, COLDWATER, MI 49036-9170
Document Number	0202305075
Instrument Date	Sep 1, 2023
Instrument	2023-05075
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 N FALL RIVER DR, COLDWATER, MI 49036-9170

Mortgage

Document Number	0202305076
Date	Sep 20, 2023
Instrument	2023-05076

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	628 N FALL RIVER DR, COLDWATER, MI 49036-9170
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202006220
Date	Sep 21, 2020
Instrument	2020-06220

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 19, 2019
Property Address	628 N FALL RIVER DR, COLDWATER, MI 49036-9170
Document Number	201904574
Map Reference	LB 5 PG 47
Instrument Date	Jun 6, 2019
Instrument	2019-04574
Transaction Type	Transfer
Record Updated	Jun 8, 2021

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	628 N FALL RIVER DR, 628, COLDWATER, MI 49036-9170

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 N JEFFERSON ST, COLDWATER, MI 49036-1614
Investor	Possibly a Property Investor

Mortgage

Document Number	201904575
Date	Jul 19, 2019
Instrument	2019-04575

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 3, 2017
Property Address	628 N FALL RIVER DR, COLDWATER, MI 49036-9170
Document Number	201703248
Map Reference	LB5 PG47
Instrument Date	May 1, 2017
Instrument	2017-03248
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,625.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23413 PARK PLACE DR, 23413, SOUTHFIELD, MI 48033-7116

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	92 WALNUT ST, COLDWATER, MI 49036-1839

Mortgage

Document Number	201703249
Date	May 3, 2017
Instrument	2017-03249

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	10.5%

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		$218,200 (+50.17%)	$436,400 (+50.17%)
2025	$3,852.00 (+2.69%)	$145,300 (+9.08%)	$290,600 (+9.08%)
2024	$3,751.00
2023		$133,200	$266,400

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 96% of the US · lower than 91% 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.

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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