728 E Channel Dr, Coldwater, MI 49036 Property Records

Branch County property record for 728 E Channel Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 768 sqft · built 1975
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Nov 2013)
Tax Bill	$2,272 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120-L50-000-012-00`

Property Details

APN / Parcel Number

Primary APN	`120-L50-000-012-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	768 sqft Building Perimeter
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	10,019 sqft (0.23 acres)
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	728 E CHANNEL DR
City	COLDWATER
State	MI
Zip	49036-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVES SHORES LOT 12 SEC 7 T7S R5W
Legal Range	05W
Legal Township	07S
Legal Section	07
Legal Subdivision	LOVES SHORES
Legal Lot Number	12
Jurisdiction	BRANCH MI
Township / Civil Division	ALGANSEE
Census Block Group	1
Census Block	1021
Census Tract	951000

Owner

Source: Branch County assessment roll, 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 File
Mailing Address	728 E CHANNEL DR, COLDWATER, MI 49036-9425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Sep 23, 2019	Deed of Trust, Mortgage · Line of Credit HONOR CU
Jun 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 15, 2013 · Amount on Record
Deed Sale	Nov 15, 2013 · Amount on Record
Prior Sale	Apr 7, 2003 · Amount on Record
Deed Document Number	20138050
Prior Transfer Date	Nov 24, 2008
Prior Transfer Doc	200808269
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	728 E CHANNEL DR, COLDWATER, MI 49036-9425
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 E CHANNEL DR, COLDWATER, MI 49036-9425

Mortgage

Document Number	0202204971
Date	Jul 15, 2022
Instrument	2022-04971

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	728 E CHANNEL DR, COLDWATER, MI 49036-9425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202008438
Date	Dec 10, 2020
Instrument	2020-08438

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	728 E CHANNEL DR, COLDWATER, MI 49036-9425
Transaction Type	Mortgage
Record Updated	Oct 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201906064
Date	Sep 23, 2019
Instrument	2019-06064

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Jul 12, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	728 E CHANNEL DR, COLDWATER, MI 49036-9425
Transaction Type	Mortgage
Record Updated	Jun 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201903394
Date	Jun 3, 2019
Instrument	2019-03394

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,209 (+4.52%)	$264,418 (+4.52%)
2025	$2,272.00 (+6.57%)	$126,494	$252,988
2024	$2,132.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2007–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2008 · 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Frontier, Lakeland Internet.

Cell Coverage

5G and 4G LTE (outdoors only)

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