For Sale
440 S Clay Street, Coldwater, MI 49036
$167,500
MLS # 26013488 (Michigan Regional Information Center (MichRIC))
1 bathBuilt 19840.45 acres
1 / 17
Listing Description
BUSINESS OPPORTUNITY OR OFFICE SPACE! This beautifully renovated 1,200 sq ft commercial building offers a turnkey opportunity for your next business venture. Thoughtfully updated with a modern design, the space is both stylish and functional. Previously operated as a salon and currently used as office space, this property provides excellent versatility to suit a wide range of business ideas. The layout includes a private restroom and a convenient break area with a sink, ideal for staff comfort and daily operations. Additional features include central air conditioning for year round comfort and a spacious parking area with 12 dedicated spots, providing easy access for clients and employees. Whether you are launching a new business or expanding an existing one, this property is ready to meet your needs.
Source: SparkMLS
About this home
Located in Coldwater in Coldwater, this property offers 1-bath, with original construction dating to 1984.
Listed at $167,500.
Property tax estimate: $4,043 per year ($337/month). Tax figure is from the MLS listing record; verify with the county treasurer for the most current amount.
Electric service is provided by Coldwater Board of Public Utilities; natural gas by Michigan Gas Utilities Corporation.
Listing Property Details
Property TypeCommercial Sale
Property SubtypeBusiness Opportunity
Bathrooms1
Lot Size0.45 acres
Year Built1984
Location
CityColdwater
MunicipalityColdwater City
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
ConstructionMetal Siding
HeatingForced Air
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Electricity Connected
InteriorBroadband
Sale & Financing
Listed4/2/2026
Original Price$189,900
Terms AcceptedConventional, Other, Cash
Source: SparkMLS
Tax Information
Annual Tax$4,043
Tax Year2025
Assessed Value$69,283
Parcel #304-000-000-598-00
Source: SparkMLS
Legal Description
On file 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 Grace Roberts
Real Broker LLC
Frequently Asked Questions about 440 S Clay Street, Coldwater, MI 49036
Which school district serves 440 S Clay Street, Coldwater, MI 49036?
Per MLS# 26013488, 440 S Clay Street, 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# 26013488, this listing accepts Conventional, Other, Cash financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 440 S Clay Street, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $4,043 (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, 440 S Clay Street, 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 440 S Clay Street, 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 440 S Clay Street, Coldwater, MI 49036?
Per Michigan Public Service Commission service territory data: Electric: Coldwater Board of Public Utilities. Gas: Michigan Gas Utilities Corporation. 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 City police department or the Branch County sheriff's office.
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Monthly payment$1,086
Principal & interest$1,086
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Utilities
Coldwater Board of Public Utilities
Municipal
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
440 S Clay Street, Coldwater, MI 49036
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Municipality
Coldwater
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