Branch County property record for 89 Division St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,310 sqft · built 1890 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Mar 2023) |
| Tax Bill | $2,687 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Nov 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 301-000-000-419-00 |
| Primary APN | 301-000-000-419-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,310 sqft Building Perimeter |
| 1st Floor Area | 1,155 sqft |
| Basement Area | 200 sqft |
| Unfinished Basement | 200 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Area | 1,330 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 89 DIVISION ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT SE COR DIVISION & WASHINGTON ST TH ELY ON S LI WASHINGTON ST 10 RDS TH SLY PAR WI DIVISION ST 7 RDS TH WLY PAR WI |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 21 |
| Legal Subdivision | COM AT SE COR DIVISION |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 951400 |
Source: Branch County records, as of July 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 90 N POLK ST, COLDWATER, MI 49036-1233 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Nov 5, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Mar 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on File |
| Deed Sale | Mar 29, 2023 · Amount on File |
| Prior Sale | Nov 11, 1994 · Amount on File |
| Deed Document Number | 20231432 |
| Last Transfer Date | Oct 22, 2024 |
| Transfer Doc | 0000005917 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 89 DIVISION ST, COLDWATER, MI 49036-1906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0201804046 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 2018-04046 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRANCH MI |
| Property Address | 89 DIVISION ST, COLDWATER, MI 49036-1906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 89 DIVISION ST, COLDWATER, MI 49036-1906 |
| Document Number | 0202405912 |
|---|---|
| Date | Nov 5, 2024 |
| Instrument | 2024-05912 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 8241 DOW CIR, STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Mar 29, 2023 |
| Property Address | 89 DIVISION ST, COLDWATER, MI 49036-1906 |
| Document Number | 0202301432 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 2023-01432 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 89 DIVISION ST, COLDWATER, MI 49036-1906 |
| Name | Verified Name |
|---|---|
| Address | 90 N POLK ST, COLDWATER, MI 49036-1233 |
| Document Number | 0202301433 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 2023-01433 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
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 | $74,500 (+3.47%) | $149,000 (+3.47%) | |
| 2025 | $2,687.00 (+3.67%) | $72,000 | $144,000 |
| 2024 | $2,592.00 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures