72 E Montgomery St, Coldwater, MI 49036 Property Records

Branch County property record for 72 E Montgomery St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,308 sqft · built 1973
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2023)
Tax Bill	$2,464 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-269-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-269-00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,308 sqft Building Perimeter
1st Floor Area	1,308 sqft
Basement Area	1,308 sqft
Unfinished Basement	1,308 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	10,019 sqft (0.23 acres)
Garage Area	432 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	72 E MONTGOMERY ST
City	COLDWATER
State	MI
Zip	49036-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 E O LANPHERE ADDN SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	E O LANPHERE ADD
Legal Lot Number	18
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1015
Census Tract	951500

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	72 E MONTGOMERY ST, COLDWATER, MI 49036-1442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP
Sep 1, 2023	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Prior Sale	Oct 1, 1973 · Amount on Record
Deed Document Number	20234765
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	72 E MONTGOMERY ST, COLDWATER, MI 49036-1442
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 E MONTGOMERY ST, COLDWATER, MI 49036-1442

Mortgage

Document Number	0202505934
Date	Oct 3, 2025
Instrument	2025-05934

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Sep 1, 2023
Property Address	72 E MONTGOMERY ST, COLDWATER, MI 49036-1442
Document Number	0202304765
Instrument Date	Aug 21, 2023
Instrument	2023-04765
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 N FISKE RD, COLDWATER, MI 49036-9133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SAUK BLVD # 102, 102, COLDWATER, MI 49036-8896

Mortgage

Document Number	0202304766
Date	Sep 1, 2023
Instrument	2023-04766

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

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		$88,700 (+44.58%)	$177,400 (+44.58%)
2025	$2,464.00 (-3.14%)	$61,350 (+37.25%)	$122,700 (+37.25%)
2024	$2,544.00
2023		$44,700	$89,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · rainfall accumulation

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	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 472 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	1,000 / 1,000

May also be available: Verizon.

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