78 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 78 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 736 sqft · built 1830
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (May 2021)
Tax Bill	$1,362 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-445-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-445-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	736 sqft Building Perimeter
1st Floor Area	736 sqft
Basement Area	320 sqft
Unfinished Basement	320 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Lot Area	13,504 sqft (0.31 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	78 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 18 F V SMITH ADD
Legal Subdivision	F V SMITH ADD
Legal Block	18
Legal Lot Number	9
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1014
Census Tract	951400

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	78 SMITH ST, COLDWATER, MI 49036-1534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Prior Sale	Sep 8, 1975 · Amount on Record
Deed Document Number	20214010
Prior Transfer Date	Mar 10, 2013
Prior Transfer Doc	201302215
Record Updated	Sep 20, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BRANCH MI
Recording Date	May 17, 2021
Property Address	78 SMITH ST, COLDWATER, MI 49036-1534
Document Number	202104010
Instrument Date	May 13, 2021
Instrument	2021-04010
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	335 S BEHNKE RD, 335, COLDWATER, MI 49036-9758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	271 HAWLEY CENTER DR, COLDWATER, MI 49036-8299

Mortgage

Document Number	202104012
Date	May 17, 2021
Instrument	2021-04012

Lender

Name	BLUEOX CU
Type	Credit Union

Agreement

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

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		$62,950 (+72.7%)	$125,900 (+72.7%)
2025	$1,362.00 (+3.65%)	$36,450	$72,900
2024	$1,314.00

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 Policies	2 in force

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	Direct burnable vegetation

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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