81 S Circle Dr, Coldwater, MI 49036 Property Records

Branch County property record for 81 S Circle Dr, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1945
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jan 2024)
Tax Bill	$2,352 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`303-000-000-201-00`

Property Details

APN / Parcel Number

Primary APN	`303-000-000-201-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Lot Area	9,583 sqft (0.22 acres)
Garage Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 S CIRCLE DR
City	COLDWATER
State	MI
Zip	49036-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 FAIRFIELD HOMESITES ALSO E 5 FT OF LOT 25 FAIRFIELD HOMESITES SEC 16 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	16
Legal Subdivision	FAIRFIELD HOMESITES ADDITION
Legal Lot Number	24-25
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	3
Census Block	3012
Census Tract	951500

Owner

81 S Circle Dr is owned and occupied by an individual who bought it in January 2024.

Source: Branch County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	81 S CIRCLE DR, COLDWATER, MI 49036-1125
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2024 · Amount on File
Deed Sale	Jan 3, 2024 · Amount on File
Prior Sale	Oct 25, 2022 · Amount on File
Deed Document Number	2024102
Prior Transfer Date	Mar 2, 2009
Prior Transfer Doc	200901755
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 3, 2024
Property Address	81 S CIRCLE DR, COLDWATER, MI 49036-1125
Document Number	0202400102
Map Reference	LB 3 PG 14
Instrument Date	Dec 27, 2023
Instrument	2024-00102
Transaction Type	Transfer
Record Updated	Jan 22, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	529 SCHAEFFER DR, COLDWATER, MI 49036-9457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E FENN RD, COLDWATER, MI 49036-9557

Mortgage

Document Number	0202400103
Date	Jan 3, 2024
Instrument	2024-00103

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 81 S Circle Dr was $2,352, up 3.7% from the year before.

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		$70,650 (+5.45%)	$141,300 (+5.45%)
2025	$2,352.00 (+3.66%)	$67,000	$134,000
2024	$2,269.00
2023		$60,150	$120,300

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

FEMA maps place 81 S Circle Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 81 S Circle Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 286 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20