Sold
189 Bluegill Lane, Coldwater, MI 49036
Sold on 04/15/2026 for$550,000
MLS # 26008248 (Michigan Regional Information Center (MichRIC))
3 beds3 baths2,597 sqftBuilt 19500.16 acres
1 / 28
Listing Description
Welcome to your dream lakefront retreat on beautiful Messenger Lake, part of the highly sought after North Chain of Lakes in Coldwater, Michigan. This spacious two-story traditional home offers year-round comfort, breathtaking water views, and the perfect blend of relaxation and entertainment. Step inside to an inviting open floor plan highlighted by vaulted ceilings and expansive windows that showcase amazing lake views from most rooms in the home. The main floor features a private primary suite with full bathroom, plus an additional convenient half bath all on the main level. Updated kitchen & bright living and dining area ideal for gatherings. Upstairs, you'll find two additional bedrooms, a full bathroom, and a comfortable family room, perfect for guests or extra living space. Enjoy lakeside living at its finest on the beautiful Trex decking, offering the perfect setting for entertaining friends and family or simply savoring your morning coffee while overlooking the water.
Source: SparkMLS
About this home
3-bedroom, 3-bath, 2,597 sq ft home in Coldwater built in 1950.
This home sold for $550,000 (about $212/sq ft).
Estimated annual property tax: $3,557, or about $296 monthly. Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Consumers Energy Company; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms3
Living Area2,597 sqft
Lot Size0.16 acres
Year Built1950
Stories2
Location
CityColdwater
MunicipalityColdwater
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementCrawl Space, Slab
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Center Island, Pantry
Sale & Financing
Listed3/14/2026
Sold Date4/14/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,557
Tax Year2025
Assessed Value$124,813
Parcel #070-019-200-005-07
Source: SparkMLS
Legal Description
COM N 8DEG E 8 FT FR NE COR LOT 5 MESSENGER LAKE PLAT TH S 77DEG 9MIN E 52.5 FT TO LK SHR TH N 16DEG 9MIN E 111.95 FT TH N77DEG 9MIN W 66 FT TH S 8DEG 59MIN W 112.02 FT TO POB SEC 19 T6S R6W EXC DRIVE R/W SEC 19 T6S R6W
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Jami Lind
Hauska Home and Farm
Frequently Asked Questions about 189 Bluegill Lane, Coldwater, MI 49036
Which school district serves 189 Bluegill Lane, Coldwater, MI 49036?
Per MLS# 26008248, 189 Bluegill Lane, Coldwater, MI 49036 is in the Coldwater boundaries. School district assignments are determined by property location and may differ from the mailing city. Contact Coldwater directly to confirm enrollment eligibility.
What type of financing is accepted for this listing?
Per MLS# 26008248, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, Conventional financing. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 189 Bluegill Lane, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $3,557 (2025). Michigan property taxes are based on a property's taxable value multiplied by the local millage rate. Primary residences qualify for a homestead exemption that lowers the rate.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 189 Bluegill Lane, Coldwater, MI 49036 is in an eligible area. USDA RD loans offer 0% down payment for qualified buyers. Verify current eligibility at the USDA eligibility site, as boundaries are updated periodically.
Is 189 Bluegill Lane, Coldwater, MI 49036 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, a high-risk flood area. Flood insurance is required for federally-backed mortgages in this zone. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
What utilities serve 189 Bluegill Lane, Coldwater, MI 49036?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Septic Tank. Water: Well. Confirm service details directly with providers.
What is the crime rate in this area?
For crime and public safety data, we recommend inquiring directly with the Coldwater police department or the Branch County sheriff's office.
Loading map...
Mortgage Calculator
$
%
$
$
$
Monthly payment$3,885
Principal & interest$3,885
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
189 Bluegill Lane, Coldwater, MI 49036
View full property history →
Get email alerts for new listings near 189 Bluegill Lane
We’ll notify you when new listings match your interests.
Munro Real Estate · MI Broker #6502405404 · No spam, one-click unsubscribe.