632 Race St, Coldwater, MI 49036 Property Records

Branch County property record for 632 Race St, Coldwater, MI 49036

Property Summary

Property Type	Commercial
Details	3,752 sqft · built 2015
Lot Size	30 acres (1,306,800 sqft)
Owner	Company Name on File
Tax Bill	$36,660 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`304-000-000-680-00`

Property Details

APN / Parcel Number

Primary APN	`304-000-000-680-00`

Interior

Units	16 Units
Building Area	3,752 sqft Building Perimeter

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	1,306,800 sqft (30 acres)

Location & Zoning

Street Address	632 RACE ST
City	COLDWATER
State	MI
Zip	49036-2180
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	E 1/2 OF SW FRL 1/4 SEC 20 T 6S, R6W LY N OF NYCRR (NOW PCRR) EXC: BEG 1324.25 FT E TH N 00 DEG 42' 40 W 494.40 FT
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2033
Census Tract	951600

Owner

Source: Branch County records · APN 304-000-000-680-00

Assessment roll updated July 7, 2026 · Last verified August 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 File
Mailing Address	254 E GARFIELD RD, COLDWATER, MI 49036-9175
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Aug 05, 2015
Transfer Doc	0201505591
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	632 RACE ST, COLDWATER, MI 49036-2109
Transaction Type	Mortgage
Record Updated	May 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202962
Date	Apr 21, 2022
Instrument	2022-02962

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 15, 2027

Tax Assessment & Valuation

Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$869,250 (+1.96%)	$1,738,500 (+1.96%)
2025	$36,660.00 (+2.61%)	$852,500	$1,705,000
2024	$35,728.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · river or lake flooding

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 11 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	COLDWATER serves 13,822 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.