Branch County property record for 645 N Fall River Dr, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,080 sqft · built 1975 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Feb 2013) |
| Tax Bill | $3,133 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2019 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-P23-000-009-00 |
| Primary APN | 070-P23-000-009-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,080 sqft Building Perimeter |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Dimensions | 151 ft deep x 151 ft wide |
| Garage Area | 728 sqft |
| Street Address | 645 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 9 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 | 9 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 951301 |
645 N Fall River Dr is owned and occupied by an individual who bought it in February 2013.
Source: Branch County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 N FALL RIVER DR, COLDWATER, MI 49036-9170 |
| 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.
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 6, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROFED FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2013 · Amount on File |
| Deed Sale | Feb 5, 2013 · Amount on File |
| Prior Sale | Nov 30, 2005 · Amount on File |
| Deed Document Number | 2013853 |
| Prior Transfer Date | Mar 3, 2009 |
| Prior Transfer Doc | 200901570 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 645 N FALL RIVER DR, COLDWATER, MI 49036-9170 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202103200 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 2021-03200 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 645 N FALL RIVER DR, COLDWATER, MI 49036-9170 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201901094 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 2019-01094 |
| Name | PROFED FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WAYNE, IN 46805 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 15, 2029 |
The 2025 property tax bill for 645 N Fall River Dr was $3,133, up 2.7% from the year before.
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Coldwater Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $180,100 (+37.06%) | $360,200 (+37.06%) | |
| 2025 | $3,133.00 (+2.69%) | $131,400 | $262,800 |
| 2024 | $3,051.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 N Fall River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 645 N Fall River Dr 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 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.
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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