For Sale
480 Swan Lane, Coldwater, MI 49036
$225,000
MLS # 26036073 (Michigan Regional Information Center (MichRIC))
2 beds1 bath1,202 sqftBuilt 19560.19 acres
1 / 29
Listing Description
Welcome to this charming, turn key move-in-ready channel front cottage on beautiful Rose Lake! This inviting home features 2 bedrooms, 1 full bathroom, and a convenient laundry room, offering comfort and functionality in a peaceful waterfront setting. The open-concept floor plan provides beautiful water views right from the kitchen window, creating a bright and relaxing atmosphere. The spacious living room features a cozy wood-burning fireplace, perfect for cool evenings. A four-season bonus room overlooks the lake and provides additional space for guests, a home office, or a relaxing retreat. Recent updates include newer flooring and a newer roof, adding peace of mind and modern appeal. Whether you're looking for a year-round residence, a weekend getaway, or an investment property, this turn-key cottage is ready for you to start enjoying lake life. Don't miss this opportunity to own a charming waterfront retreat on beautiful Rose Lake!
Source: SparkMLS
About this home
2-bedroom, 1-bath, 1,202 sq ft home in Coldwater built in 1956.
Asking $225,000 (about $187/sq ft).
Estimated annual property tax: $2,236, or about $186 monthly. 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
Bedrooms2
Bathrooms1
Living Area1,202 sqft
Lot Size0.19 acres
Year Built1956
Stories1
Location
CityColdwater
MunicipalityOvid Twp
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space, Other
HeatingBaseboard, Forced Air
WaterWell
SewerSeptic Tank
UtilitiesElectricity Available, Cable Available
InteriorCeiling Fan(s), LP Tank Rented, Eat-in Kitchen
Sale & Financing
Listed7/14/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
HOA
HOA Fee$50 / Annually
IncludesWater
Source: SparkMLS
Tax Information
Annual Tax$2,236
Tax Year2025
Assessed Value$51,142
Parcel #110-F20-000-069-00
Source: SparkMLS
Legal Description
FIESTA SHORES LOT 69 SEC 19-30 T7S R6W NO. 329
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 Jami Lind
Hauska Home and Farm
Frequently Asked Questions about 480 Swan Lane, Coldwater, MI 49036
Which school district serves 480 Swan Lane, Coldwater, MI 49036?
Per MLS# 26036073, 480 Swan Lane, 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 480 Swan Lane, Coldwater, MI 49036?
Per MLS# 26036073, this listing accepts Cash, FHA, VA Loan, Rural Development, MSHDA, 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 480 Swan Lane, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $2,236 (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, 480 Swan Lane, 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 480 Swan Lane, 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 480 Swan Lane, 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.
Map
Mortgage Calculator
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Monthly payment$1,463
Principal & interest$1,459
HOA$4
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
480 Swan Lane, Coldwater, MI 49036
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