For Sale
214 Narrows Road, Coldwater, MI 49036
$785,000
MLS # 26004818 (Michigan Regional Information Center (MichRIC))
4 beds4 baths3,537 sqftBuilt 19891 acres
1 / 78
Listing Description
CHAIN OF LAKES AND GOLF COURSE! Experience premier lakefront living on the highly sought-after North Chain of Lakes with this stunning 4-bedroom, 2 full and 2 half bath home situated on 1 acre with 186 feet of private frontage on Randall Lake. Offering over 3,500 finished square feet, this beautifully designed home features vaulted ceilings, a full walkout basement, and a spacious primary suite with breathtaking lake views. Step outside to the new wraparound Trex deck, perfectly positioned to take in the serene water views and lush, professionally designed landscaping. Ideal for year-round enjoyment, the home includes an entire home generator and a 2-car garage. Located less than a mile from Coldwater Golf Course, this property blends peaceful waterfront living with nearby recreation. Whether boating, fishing, or simply relaxing by the water, this exceptional home offers endless opportunities for lakefront fun and unforgettable sunsets.
Source: SparkMLS
About this home
This 4-bedroom, 4-bath, 3,537 sq ft home built in 1989 sits in Coldwater.
Asking $785,000 (about $222/sq ft).
Annual property taxes run approximately $5,551 ($463/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Fiber internet is available at this address with download speeds up to 7,000 Mbps across 10 providers. Electric service is provided by Consumers Energy Company; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area3,537 sqft
Lot Size1 acres
Year Built1989
Stories2
Location
CityColdwater
MunicipalityColdwater
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleA-Frame
ConstructionWood Siding
BasementCrawl Space, Full
Garage2 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Natural Gas Connected, High-Speed Internet
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Pantry
Sale & Financing
Listed2/9/2026
Original Price$841,500
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,551
Tax Year2025
Assessed Value$204,345
Parcel #070-R15-000-001-00
Source: SparkMLS
Legal Description
LOTS 1 & 2 & 12 & 13 RANDALL SHORE PLAT SEC 5 T6S R6W
Property Records
FEMA Flood Zone: Zone X — Minimal flood risk
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Grace Roberts Elevate Team
Michigan Top Producers
Frequently Asked Questions about 214 Narrows Road, Coldwater, MI 49036
What school district is 214 Narrows Road, Coldwater, MI 49036 in?
Per MLS# 26004818, this property is served by Coldwater. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What type of financing is accepted for this listing?
Per MLS# 26004818, the seller has indicated this property accepts the following financing types: Cash, FHA, VA Loan, Rural Development, Conventional. FHA financing can offer lower down payment requirements for qualified buyers. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26004818, the most recent reported annual property tax for 214 Narrows Road, Coldwater, MI 49036 is $5,551 (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.
Is 214 Narrows Road, Coldwater, MI 49036 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, 214 Narrows Road, Coldwater, MI 49036 is in flood zone X (minimal risk). Flood insurance is not typically required in this zone but may still be advisable. FEMA flood maps are updated periodically — verify the current designation at msc.fema.gov.
Is fiber internet available at 214 Narrows Road, Coldwater, MI 49036?
Per FCC broadband data, this property has access to fiber internet service. The maximum advertised download speed is 7.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
Who are the utility providers for this property?
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.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Coldwater police department or the Branch County sheriff's office.
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Mortgage Calculator
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Monthly payment$5,091
Principal & interest$5,091
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
7 Gbps
Upload
7 Gbps
FiberCableGSO SatelliteSatelliteFixed WirelessLicensed Fixed Wireless
10 providers at this address
FrontierFiber
7 GbpsColdwater Board of Public UtilitiesFiber
1 GbpsSpectrumCable
1 GbpsStarlinkGSO Satellite
280 MbpsColdwater Board of Public UtilitiesCable
200 MbpsHughesNetSatellite
100 MbpsViasat IncSatellite
100 MbpsDMCI Broadband LLCFixed Wireless
40 MbpsAT&TLicensed Fixed Wireless
25 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Consumers Energy Company
Investor-Owned
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
214 Narrows Road, Coldwater, MI 49036
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