For Sale
243 E Rose Road, Coldwater, MI 49036
$599,900
MLS # 26010674 (Michigan Regional Information Center (MichRIC))
3 beds2 baths2,000 sqftBuilt 20160.15 acres
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Listing Description
Welcome to your dream waterfront retreat on beautiful Rose Lake! This stunning 3-bedroom, 2-bath, 2-story custom built home offers the perfect blend of comfort, style, and lakefront living. Step inside to soaring vaulted ceilings and an open-concept design, where a stairway balcony overlooks the spacious kitchen and living area--perfect for gathering with friends. Gorgeous details surround, such as porcelain tile flooring and custom wood trim. Enjoy breathtaking views and 86 feet of sandy beachfront, complete with a 50-foot aluminum dock and three convenient sets of stairs to the water. Entertain with ease on the stamped concrete patio, enhanced by a remote retractable awning for shade on sunny days. The steel seawall, finished with attractive hardscape detailing, provides both beauty and durability. This home spares no details, including a reverse osmosis system and an on-demand water heater, generator hookup, and 3 1/2 foot double insulated, heated/cooled crawl space, and
Source: SparkMLS
About this home
3-bedroom, 2-bath, 2,000 sq ft home in Coldwater built in 2016.
Asking $599,900 (about $300/sq ft).
Annual property taxes run approximately $3,055 ($255/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
Bedrooms3
Bathrooms2
Living Area2,000 sqft
Lot Size0.15 acres
Year Built2016
Stories2
Location
CityColdwater
MunicipalityOvid Twp
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleCape Cod
ConstructionVinyl Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorEat-in Kitchen
Sale & Financing
Listed3/18/2026
Original Price$649,900
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,055
Tax Year2025
Assessed Value$114,530
Parcel #110-L10-000-032-99
Source: SparkMLS
Legal Description
At listing office.
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 Karmen Ann Case
Case Realty Group
Frequently Asked Questions about 243 E Rose Road, Coldwater, MI 49036
Which school district serves 243 E Rose Road, Coldwater, MI 49036?
Per MLS# 26010674, 243 E Rose 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 243 E Rose Road, Coldwater, MI 49036?
Per MLS# 26010674, 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 243 E Rose Road, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $3,055 (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, 243 E Rose 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 243 E Rose 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 243 E Rose 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 Ovid Twp police department or the Branch County sheriff's office.
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Monthly payment$3,891
Principal & interest$3,891
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
243 E Rose Road, Coldwater, MI 49036
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