For Sale
214 Narrows Road, Coldwater, MI 49036
$764,900
MLS # 26034126 (Michigan Regional Information Center (MichRIC))
4 beds4 baths3,537 sqftBuilt 19891 acres
1 / 64
Listing Description
Welcome to your own private retreat on Coldwater's desirable North Chain of Lakes! Nestled on approximately one beautifully landscaped acre with 186 feet of frontage on Randall Lake, this waterfront home offers the perfect balance of comfort, space, and waterfront views Inside, you'll find over 3,500 finished square feet designed for both everyday living and entertaining. The open floor plan is highlighted by vaulted ceilings, expansive windows that capture stunning lake views, and a spacious walkout lower level that extends your living space. The primary suite has a walkout deck, while three additional bedrooms offer plenty of room for family and guests. Step outside and enjoy the wraparound Trex deck, an ideal setting for morning coffee, outdoor dining, or watching the sun set over the lake. The professionally landscaped grounds create a beautiful backdrop, while the whole-house generator provides added peace of mind. An attached two-car garage offers convenience and additional
Source: SparkMLS
About this home
Located in Coldwater, this property offers 4-bedroom, 4-bath, 3,537 sq ft, with original construction dating to 1989.
Asking $764,900 (about $216/sq ft).
Property tax estimate: $5,695 per year ($475/month). 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
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
Listed7/6/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,695
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 USDAPrice & Status History
Jul 7, 2026
Listed for sale
$764,900
Listed by Angie Marsh
Southern Marsh Realty
Frequently Asked Questions about 214 Narrows Road, Coldwater, MI 49036
Which school district serves 214 Narrows Road, Coldwater, MI 49036?
Per MLS# 26034126, 214 Narrows Road, 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 financing options are available for 214 Narrows Road, Coldwater, MI 49036?
Per MLS# 26034126, this listing accepts Cash, FHA, VA Loan, Rural Development, 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 214 Narrows Road, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $5,695 (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, 214 Narrows Road, 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 214 Narrows Road, Coldwater, MI 49036 in a flood zone?
Per FEMA flood maps, this property is designated as Zone X, a minimal-risk flood area. 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.
What utilities serve 214 Narrows Road, 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.
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Monthly payment$4,961
Principal & interest$4,961
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
214 Narrows Road, Coldwater, MI 49036
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