Branch County property record for 78 Division St, Coldwater, MI 49036
| Property Type | Commercial |
|---|---|
| Details | 6 ba · 3,869 sqft · built 1880 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $45,000 (Jul 2005) |
| Tax Bill | $1,822 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 301-000-000-030-00 |
| Primary APN | 301-000-000-030-00 |
|---|
| Full Baths | 6 Baths |
|---|---|
| Units | 6 Units |
| Building Area | 3,869 sqft Building Perimeter |
| 1st Floor Area | 3,142 sqft |
| Basement Area | 727 sqft |
| Unfinished Basement | 727 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 9,583 sqft (0.22 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 78 DIVISION ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1971 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | COM AT A PT ON N LI WASHINGTON ST WI INT W LI DIVISION ST TH NLY ON W LI DIVISION ST 72 FT TH WLY PAR WITH WASHINGTON ST 132 |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 21 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 951600 |
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 | 133 S MONROE ST, COLDWATER, MI 49036-1963 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2005 · Amount on Record |
| Deed Sale | Jul 7, 2005 · Amount on Record |
| Prior Sale | Feb 15, 1999 |
| Deed Document Number | 20056003 |
| Deed Book / Page | 1082 / 152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 78 DIVISION ST, COLDWATER, MI 49036-1971 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202006410 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 2020-06410 |
| Name | SOUTHERN MICHIGAN BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLDWATER, MI 49036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $54,850 (+38.51%) | $109,700 (+38.51%) | |
| 2025 | $1,822.00 (+3.46%) | $39,600 | $79,200 |
| 2024 | $1,761.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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