704 Waterfront Dr, Coldwater, MI 49036 Property Records

Branch County property record for 704 Waterfront Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$123,333 (Jan 2021)
Tax Bill	$3,711 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`150-L60-001-009-00`

Property Details

APN / Parcel Number

Primary APN	`150-L60-001-009-00`

Exterior

Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Street Address	704 WATERFRONT DR
City	COLDWATER
State	MI
Zip	49036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 45 FT OF LOT 9 OF LONG BRANCH SUB SEC 2 T8S R6W L814 P270
Legal Range	06W
Legal Township	08S
Legal Section	02
Legal Subdivision	LONG BRANCH SUB
Legal Lot Number	9
Jurisdiction	BRANCH MI
Township / Civil Division	KINDERHOOK
Census Block Group	3
Census Block	3009
Census Tract	951000

Owner

704 Waterfront Dr is owned by two individuals who acquired it in January 2022.

Source: Branch County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1681 WOODSPRING DR, POWELL, OH 43065-8811
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Jan 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Jan 11, 2021	Warranty Deed, Transfer
Jul 19, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Sep 26, 2000
Deed Document Number	2021222
Last Transfer Date	Jan 24, 2022
Transfer Doc	0202200678
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	704 WATERFRONT DR, COLDWATER, MI 49036-7801
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1681 WOODSPRING DR, POWELL, OH 43065-8811

Mortgage

Document Number	0202201759
Date	Mar 17, 2022
Instrument	2022-01759

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 10, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Jan 31, 2022
Property Address	704 WATERFRONT DR, COLDWATER, MI 49036-7801
Document Number	0202200678
Instrument Date	Jan 24, 2022
Instrument	2022-00678
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 WATERFRONT DR, COLDWATER, MI 49036-7801

Mortgage

Document Number	0202200679
Date	Jan 31, 2022
Instrument	2022-00679

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 11, 2021
Property Address	704 WATERFRONT DR, COLDWATER, MI 49036-7801
Document Number	202100222
Map Reference	LB 2 PG 61
Instrument Date	Dec 24, 2020
Instrument	2021-00222
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Tax	$1,062.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 WESTFIELD AVE, 204, DEFIANCE, OH 43512-1436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1681 WOODSPRING DR, POWELL, OH 43065-8811

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Jul 19, 2017
Property Address	704 WATERFRONT DR, COLDWATER, MI 49036-7801
Document Number	201704942
Map Reference	LB2 PG61
Instrument Date	Jul 6, 2017
Instrument	2017-04942
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 WESTFIELD AVE, 98, DEFIANCE, OH 43512-1432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 E HIGH ST, DEFIANCE, OH 43512-1825

Tax Assessment & Valuation

The 2025 property tax bill for 704 Waterfront Dr was $3,711, up 5.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
County Subdivision	Kinderhook Township
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$122,100 (+5.9%)	$244,200 (+5.9%)
2025	$3,711.00 (+5.55%)	$115,300	$230,600
2024	$3,516.00

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

Flood

FEMA maps place 704 Waterfront Dr in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1982–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2018 · river or lake flooding

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

Wildfire risk around 704 Waterfront 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	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 214 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
MetaLINK Technologies Fixed Wireless	200 / 50

May also be available: DMCI Broadband, Lakeland Internet, Mercury Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waterfront Dr

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