Under Contract
481 Grand Street, Coldwater, MI 49036
$384,900
MLS # 26032457 (Michigan Regional Information Center (MichRIC))
4 beds4 baths4,396 sqftBuilt 19940.65 acres
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Listing Description
Welcome to this beautifully maintained 4,396 sq. ft. home situated on approximately 0.65 acres in one of Coldwater's most desirable neighborhoods. This impressive property offers the perfect combination of timeless character and modern updates, including a brand-new roof, updated mechanicals/utilities, and a whole-house Generac generator for year-round peace of mind. Outside, you'll find four outbuildings providing exceptional space for storage, workshops, hobbies, or recreational equipment. With spacious living areas, mature landscaping, and countless recent improvements, this move-in-ready home offers comfort, functionality, and room to grow. Opportunities like this don't come along often--schedule your private showing today!
Source: SparkMLS
About this home
4-bedroom, 4-bath, 4,396 sq ft home in Coldwater in Coldwater built in 1994.
Currently offered at $384,900 (about $88/sq ft).
Annual property taxes run approximately $1,463 ($122/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 TypeResidential
Property SubtypeSingle Family Residence
Bedrooms4
Bathrooms4
Living Area4,396 sqft
Lot Size0.65 acres
Year Built1994
Stories2
Location
CityColdwater
MunicipalityColdwater City
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleCape Cod
ConstructionVinyl Siding
BasementFull
Garage2 spaces
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesPhone Available, Natural Gas Available, Electricity Available, Cable Available, Phone Connected, Natural Gas Connected, Cable Connected, Storm Sewer
InteriorCeiling Fan(s), Broadband, Garage Door Opener, Wet Bar, Center Island, Pantry
Sale & Financing
Listed6/26/2026
Original Price$469,900
Terms AcceptedCash, FHA, VA Loan, Rural Development, MSHDA, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,463
Tax Year2024
Assessed Value$119,025
Parcel #303-000-000-911-03
Source: SparkMLS
Legal Description
LOT 43 & N 1/2 OF LOT 44 OF CHAPMAN MEADOWS NO 4 SEC 16 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 USDAListed by Skylar Dowell
CENTURY 21 Affiliated
Frequently Asked Questions about 481 Grand Street, Coldwater, MI 49036
Which school district serves 481 Grand Street, Coldwater, MI 49036?
Per MLS# 26032457, 481 Grand 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.
What type of financing is accepted for this listing?
Per MLS# 26032457, 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 481 Grand Street, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $1,463 (2024). 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, 481 Grand 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 481 Grand 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 481 Grand Street, Coldwater, MI 49036?
Per Michigan Public Service Commission service territory data: Electric: Coldwater Board of Public Utilities. Gas: Michigan Gas Utilities Corporation. Sewer: Public. Water: Public. 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$2,496
Principal & interest$2,496
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
481 Grand Street, Coldwater, MI 49036
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Municipality
Coldwater
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