For Sale
# 511 E Southern Road, Coldwater, MI 49036
$599,900
MLS # 26017506 (Michigan Regional Information Center (MichRIC))
4 beds3 baths3,338 sqftBuilt 20056 acres
1 / 48
Listing Description
Custom-built 3,338 sq ft lake home on 6 ± rolling acres with 82 +/- feet of frontage on Huyck Lake, a quiet sandy-bottom fishing lake known for bass, bluegill, perch, and pike. Located just minutes from the Indiana/Michigan border, this 4 bedroom, 3 bath home features beautiful red oak finishes and stunning lake views through a wall of windows in the living and dining areas. The custom Amish-built kitchen includes a center island and spacious 6x6 walk-in pantry. The main-floor master offers private deck access and a walk-in closet. The walkout lower level includes a fourth bedroom suite, full bath, family room, and laundry/utility area. Stay comfortable year-round with a wood-burning fireplace, pellet stove, and whole-home generator.
Source: SparkMLS
About this home
Located in Coldwater, this property offers 4-bedroom, 3-bath, 3,338 sq ft, with original construction dating to 2005.
Currently offered at $599,900 (about $180/sq ft).
Property tax estimate: $3,500 per year ($292/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 Area3,338 sqft
Lot Size6 acres
Year Built2005
Stories2
Location
CityColdwater
MunicipalityColdwater
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleTraditional
ConstructionVinyl Siding
BasementFull, Walk-Out Access
Garage2.5 spaces
HeatingForced Air
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Available, Electricity Available, Cable Available
InteriorCeiling Fan(s), Center Island, Pantry
Sale & Financing
Listed4/22/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$3,500
Tax Year2024
Assessed Value$134,722
Parcel #150-014-100-005-00
Source: SparkMLS
Legal Description
W 1/2 Of Sw 1/4 Ly S Of Southern Rd Exc Harbaugh Beach No 2 Plat Sec 11 T8 S R6 W
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 Cassondra Kennedy
Mossy Oak Properties Michigan Outdoors
Frequently Asked Questions about # 511 E Southern Road, Coldwater, MI 49036
What school district is # 511 E Southern Road, Coldwater, MI 49036 in?
Per MLS# 26017506, this property is served by Coldwater. In Michigan, school district boundaries are set by the state and do not always follow city limits.
What financing options are available for # 511 E Southern Road, Coldwater, MI 49036?
Per MLS# 26017506, the seller has indicated this property accepts the following financing types: Cash, Conventional. Financing acceptance is subject to change — confirm with the listing agent.
How much are property taxes for this home?
Per MLS# 26017506, the most recent reported annual property tax for # 511 E Southern Road, Coldwater, MI 49036 is $3,500 (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.
Is # 511 E Southern Road, Coldwater, MI 49036 eligible for USDA financing?
Per USDA boundary maps, this property is located in a USDA-eligible area, which means qualified buyers may be able to finance with 0% down through the USDA Rural Development program. Confirm current eligibility directly with USDA.
What is the FEMA flood zone designation for this property?
Per FEMA's National Flood Hazard Layer, # 511 E Southern Road, Coldwater, MI 49036 is in flood zone X (minimal risk). 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.
Who are the utility providers for this property?
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.
How safe is this area?
For crime and public safety data, we recommend inquiring directly with the Coldwater 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
# 511 E Southern Road, Coldwater, MI 49036
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