For Sale
439 Simco Drive, Coldwater, MI 49036
$639,000
MLS # 26024291 (Michigan Regional Information Center (MichRIC))
4 beds3 baths2,196 sqftBuilt 19890.2 acres
1 / 25
Listing Description
COLDWATER LAKE-SHAWNEE SHOALS: 4 bedrooms, 2.5 baths, and a 3 season room. Property features a large trex deck with beautiful views, and over 90 ft of water front. Enjoy year round living or lake retreat. Open Kitchen and dining space with views of the water. Main floor primary with ensuite and main floor laundry. You'll appreciate the fireplace on those chilly nights. Private bedroom on upper level for guests. Two car attached garage to store the lake toys! Home comes complete with dock. Don't miss your chance to own this lake home just minutes from the main lake located in an amazing neighborhood. This company makes no warranty or representations about the contents of this data including room sizes & sq. footage. It is the responsibility of the parties looking at the property to satisfy themselves as to the accuracy of this information. Taxes were obtained from the local assessor and the taxes could change for the buyer after a closed transaction.
Source: SparkMLS
About this home
This 4-bedroom, 3-bath, 2,196 sq ft home built in 1989 sits in Coldwater.
Listed at $639,000 (about $291/sq ft).
Property tax estimate: $4,445 per year ($370/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
Bathrooms3
Living Area2,196 sqft
Lot Size0.2 acres
Year Built1989
Stories2
Location
CityColdwater
MunicipalityKinderhook Twp
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleContemporary
ConstructionVinyl Siding
BasementCrawl Space
Garage2 spaces
HeatingForced Air
WaterWell
SewerPublic
InteriorCeiling Fan(s), Garage Door Opener, Eat-in Kitchen
Sale & Financing
Listed5/21/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$4,445
Tax Year2025
Assessed Value$164,114
Parcel #150-S50-000-135-00
Source: SparkMLS
Legal Description
At listing Office.
Property Records
FEMA Flood Zone: Zone A — 100-year floodplain (no base flood elevation)
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Rachel Tell
Case Realty Group
Frequently Asked Questions about 439 Simco Drive, Coldwater, MI 49036
Which school district serves 439 Simco Drive, Coldwater, MI 49036?
Per MLS# 26024291, 439 Simco Drive, 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.
Can I use FHA or VA financing for this property?
Per MLS# 26024291, this listing accepts Cash, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 439 Simco Drive, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $4,445 (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, 439 Simco Drive, 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 439 Simco Drive, Coldwater, MI 49036 in a flood zone?
Per FEMA flood maps, this property is designated as Zone A, 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 439 Simco Drive, Coldwater, MI 49036?
Per Michigan Public Service Commission service territory data: Electric: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. Sewer: Public. 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 Kinderhook Twp police department or the Branch County sheriff's office.
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Monthly payment$4,145
Principal & interest$4,145
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
439 Simco Drive, Coldwater, MI 49036
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