81 Smith St, Coldwater, MI 49036 Property Records

Branch County property record for 81 Smith St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1981
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Oct 2020)
Tax Bill	$2,146 (2025)
Deeds & Mortgages	Oct 2020 Sale Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-311-03`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-311-03`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Lot Area	11,761 sqft (0.27 acres)
Garage Area	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 SMITH ST
City	COLDWATER
State	MI
Zip	49036-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 OF IRWIN PARK MANOR NO 1 SUBD IN S 1/2 SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	SUBD
Legal Lot Number	3
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1013
Census Tract	951400

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	81 SMITH ST, COLDWATER, MI 49036-1533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Warranty Deed, Transfer
Mar 5, 2018	Deed of Trust, Mortgage · Line of Credit CONSUMERS PROFESSIONAL CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Prior Sale	May 12, 2016 · Amount on Record
Deed Document Number	20207434
Prior Transfer Date	Nov 11, 1999
Prior Transfer Doc	0783000750
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 29, 2020
Property Address	81 SMITH ST, COLDWATER, MI 49036-1533
Document Number	202007434
Map Reference	LB 4 PG 57
Instrument Date	Oct 22, 2020
Instrument	2020-07434
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Tax	$903.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 SMITH STREET, 81, 49086

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	790 JONESVILLE RD, COLDWATER, MI 49036-9478

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	81 SMITH ST, COLDWATER, MI 49036-1533
Transaction Type	Mortgage
Record Updated	Mar 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201801304
Date	Mar 5, 2018
Instrument	2018-01304

Lender

Name	CONSUMERS PROFESSIONAL CU
Type	Credit Union
Address	LANSING, MI 48906

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$84,750 (+43.77%)	$169,500 (+43.77%)
2025	$2,146.00 (+3.67%)	$58,950	$117,900
2024	$2,070.00

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 at the parcel

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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