75 E Montgomery St, Coldwater, MI 49036 Property Records

Branch County property record for 75 E Montgomery St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,501 sqft
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$82,500 (Mar 2007)
Tax Bill	$2,161 (2025)
Deeds & Mortgages	Aug 2007 Mortgage Sep 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-231-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-231-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,501 sqft Building Perimeter
1st Floor Area	1,686 sqft
Basement Area	300 sqft
Unfinished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	9,583 sqft (0.22 acres)
Garage Area	520 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	75 E MONTGOMERY ST
City	COLDWATER
State	MI
Zip	49036-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 A T LANPHERE SUBD OF BROWNS SUBD OF LOT 54 LANPHERES ADDN SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	A T LANPHERE SUBD
Legal Lot Number	13,54
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1014
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	75 E MONTGOMERY ST, COLDWATER, MI 49036-1443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2007	Deed of Trust, Mortgage CENTURY BANK & TRUST
Sep 11, 2024	Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST
Mar 5, 2007	Other, Transfer · ARM CENTURY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2007 · Amount on Record
Deed Sale	Mar 5, 2007 · Amount on Record
Prior Sale	Apr 3, 2006 · Amount on Record
Deed Document Number	20071825
Prior Transfer Date	Aug 13, 2002
Prior Transfer Doc	0906000204
Record Updated	Sep 20, 2026

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	75 E MONTGOMERY ST, COLDWATER, MI 49036-1443
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200706296
Date	Aug 16, 2007
Instrument	2007-06296

Lender

Name	CENTURY BANK & TRUST
Address	COLDWATER, MI 49036

Agreement

Amount	Amount Recorded
Term	73 Months
Due	Sep 1, 2013

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	75 E MONTGOMERY ST, COLDWATER, MI 49036-1443
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 E MONTGOMERY ST, COLDWATER, MI 49036-1443

Mortgage

Document Number	0202404779
Date	Sep 11, 2024
Instrument	2024-04779

Lender

Name	CENTURY BANK & TRUST
Type	Bank
Address	100 W CHICAGO ST, COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2007: Other, Transfer

Document Type	Other
Jurisdiction	BRANCH MI
Recording Date	Mar 5, 2007
Property Address	75 E MONTGOMERY ST, COLDWATER, MI 49036-1443
Document Number	0200701825
Map Reference	LB1 PG33
Instrument Date	Feb 13, 2007
Instrument	2007-01825
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1761 E SAINT ANDREW PL, SANTA ANA, CA 92705-4934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 ORANGE ST, QUINCY, MI 49082-1119

Mortgage

Document Number	0200701826
Date	Mar 5, 2007
Instrument	2007-01826

Lender

Name	CENTURY MORTGAGE SERVICES INC

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year T-Bill
Margin	3
Max Rate	13%

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		$118,450 (+34.76%)	$236,900 (+34.76%)
2025	$2,161.00 (+3.69%)	$87,900	$175,800
2024	$2,084.00

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
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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