Branch County property record for 645 River Rd, Coldwater, MI 49036 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,272 sqft · built 1994 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-R11-000-005-00 |
| Primary APN | 070-R11-000-005-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,272 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Lot Area | 30,056 sqft (0.69 acres) |
| Lot Dimensions | 150 ft deep x 200 ft wide |
| Garage Area | 1,008 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 645 RIVER RD |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-9297 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 5 & 6 RANDALLS COVE NO 2 PLAT SEC 5 T6S R6W |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 05 |
| Legal Subdivision | RANDALLS COVE #2 |
| Legal Lot Number | 5-6 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 951302 |
Source: Branch County records · APN 070-R11-000-005-00
Assessment roll updated July 7, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 645 RIVER RD, COLDWATER, MI 49036-9297 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 07, 2001 |
| Deed Sale | Mar 07, 2001 |
| Deed Book / Page | 829 / 616 |
| Last Transfer Date | Jul 14, 2010 |
| Transfer Doc | 201004307 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 645 RIVER RD, COLDWATER, MI 49036-9297 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 645 RIVER RD, COLDWATER, MI 49036-9297 |
| Document Number | 0202200592 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 2022-00592 |
| Name | OAK MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | EAST LEROY, MI 49051 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
Source: Branch County records · Assessment roll updated July 7, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| County Subdivision | Coldwater Township |
| Unified School District | Coldwater Community Schools (PK - 12) |
Source: FEMA National Flood Hazard Layer, Branch County (26023C), updated April 19, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260239513022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 20 individual NFIP policies nearby |
| Nearby Flood Policies | 20 in force |
| Wildfire Risk | Low above 5% of the US · above 11% of Michigan |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 7,000 / 7,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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