68 Elm St, Coldwater, MI 49036 Property Records

Branch County property record for 68 Elm St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,988 sqft
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Nov 2016)
Tax Bill	$1,433 (2025)
Deeds & Mortgages	Sep 2007 Mortgage Nov 2007 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`301-000-000-132-00`

Property Details

APN / Parcel Number

Primary APN	`301-000-000-132-00`

Interior

Full Baths	2 Baths
Building Area	1,988 sqft Building Perimeter
1st Floor Area	1,390 sqft
Basement Area	269 sqft
Unfinished Basement	269 sqft

Exterior

Lot Area	17,860 sqft (0.41 acres)
Garage Area	392 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	68 ELM ST
City	COLDWATER
State	MI
Zip	49036-2039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT PT ON W LI ELM ST 7 RDS N OF INT WI N LI WASHINGTON ST TH N ON W LI ELM ST 6 RDS TH WLY 12 RDS TH S AT RGT ANG WI
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2013
Census Tract	951400

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	68 ELM ST, COLDWATER, MI 49036-2039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2007	Deed of Trust, Mortgage CENTURY BANK & TRUST
Nov 21, 2007	Warranty Deed, Transfer · ARM CENTURY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2016 · Amount on Record
Deed Sale	Nov 9, 2016 · Amount on Record
Prior Sale	Feb 8, 2013 · Amount on Record
Deed Document Number	20166904
Prior Transfer Date	Jan 28, 2005
Prior Transfer Doc	1061/0233
Record Updated	Sep 20, 2026

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	68 ELM ST, COLDWATER, MI 49036-2039
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0200706900
Date	Sep 10, 2007
Instrument	2007-06900

Lender

Name	CENTURY BANK & TRUST
Address	COLDWATER, MI 49036

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Oct 1, 2012

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Nov 21, 2007
Property Address	68 ELM ST, COLDWATER, MI 49036-2039
Document Number	0200708678
Instrument Date	Nov 19, 2007
Instrument	2007-08678
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$473.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 MARY ST, UNION CITY, MI 49094-1212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 PELTON AVE, COLDWATER, MI 49036-1223
Investor	Possibly a Property Investor

Mortgage

Document Number	0200708679
Date	Nov 21, 2007
Instrument	2007-08679

Lender

Name	CENTURY MORTGAGE SERVICES INC

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	12%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,850 (+52.83%)	$207,700 (+52.83%)
2025	$1,433.00 (+3.69%)	$67,950	$135,900
2024	$1,382.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLDWATER serves 13,822 people · EPA ID MI0001500
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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