656 Wheeler Rd, Coldwater, MI 49036 Property Records

Branch County property record for 656 Wheeler Rd, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,457 sqft
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Apr 2026)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`060-002-100-010-00`

Property Details

APN / Parcel Number

Primary APN	`060-002-100-010-00`

Interior

Full Baths	2 Baths
Building Area	2,457 sqft Building Perimeter
1st Floor Area	1,324 sqft
Basement Area	1,324 sqft
Unfinished Basement	1,324 sqft

Exterior

Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	656 WHEELER RD
City	COLDWATER
State	MI
Zip	49036-9260
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM 2184 FT S OF N 1/4 COR TO POB TH S 380.72 FT TH W 229 FT TH N 380 FT TH E 229 FT TO BEG SEC 2 T6S R7W
Legal Range	07W
Legal Township	06S
Legal Section	02
Jurisdiction	BRANCH MI
Township / Civil Division	BATAVIA
Census Block Group	2
Census Block	2023
Census Tract	951302

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	442 GILEAD LAKE RD, BRONSON, MI 49028-9207
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
May 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Deed Document Number	20262497
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	656 WHEELER RD, COLDWATER, MI 49036-9260
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 WHEELER RD, COLDWATER, MI 49036-9260

Mortgage

Document Number	0202208349
Date	Dec 28, 2022
Instrument	2022-08349

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2043

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	656 WHEELER RD, COLDWATER, MI 49036-9260
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201803151
Date	May 10, 2018
Instrument	2018-03151

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48641

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Apr 22, 2026
Property Address	656 WHEELER RD, COLDWATER, MI 49036-9260
Document Number	0000002497
Instrument Date	Apr 20, 2026
Instrument	2026.2497
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165,034.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 GILEAD LAKE RD, BRONSON, MI 49028-9207

Mortgage

Document Number	0000002498,
Date	Apr 22, 2026
Instrument	2026.2498

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	656 WHEELER RD, COLDWATER, MI 49036-9260
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201803151
Date	May 10, 2018
Instrument	2018-03151

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48641

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Batavia Township
Unified School District	Union City Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,196 (-2.24%)	$210,392 (-2.24%)
2025	$2,098.00 (+6.55%)	$107,604	$215,208
2024	$1,969.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 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 95% of the US · lower than 89% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000

Cell Coverage

5G and 4G LTE (outdoors only)

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