Sold
532 Roby Beach Drive, Coldwater, MI 49036
Sold on 07/22/2025 for$285,000
MLS # 25024737 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,078 sqftBuilt 19620.16 acres
1 / 44
Listing Description
NORTH CHAIN OF LAKES - FULLY FURNISHED, YEAR-ROUND CHANNEL FRONT COTTAGE WITH NORTH LAKE VIEWS! Discover the perfect blend of comfort, convenience, and lakeside charm in this fully furnished, year-round home located on a peaceful channel with scenic views of North Lake—part of the sought-after North Chain of Lakes, offering access to seven interconnected lakes for boating, fishing, and recreation. This updated 3-bedroom, 1-bath home is ideal as a weekend retreat or full-time residence, featuring a cozy open-concept layout, a remodeled kitchen (2021), durable LifeProof ''Seasoned Wood'' flooring, and an updated bathroom (2020) with matching floors, new vanity, modern lighting, and custom shelving. Step outside to enjoy the expansive 12' x 20' cedar-tone deck (installed 2021) with
Source: SparkMLS
About this home
This 3-bedroom, 1-bath, 1,078 sq ft home built in 1962 sits in Coldwater.
Final sale price: $285,000 (about $264/sq ft).
Annual property taxes run approximately $2,068 ($172/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. Fiber internet is available at this address with download speeds up to 1,000 Mbps across 10 providers.
Listing Property Details
Property TypeResidential
Property SubtypeSingle Family Residence
Bedrooms3
Bathrooms1
Living Area1,078 sqft
Lot Size0.16 acres
Year Built1962
Stories1
Location
CityColdwater
MunicipalityColdwater
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleRanch
ConstructionVinyl Siding
BasementCrawl Space
Garage1 space
HeatingForced Air
WaterWell
SewerSeptic Tank
InteriorEat-in Kitchen
Sale & Financing
Listed5/27/2025
Sold Date7/21/2025
Original Price$315,000
Terms AcceptedCash, VA Loan, Conventional
Concessions$6,850
Source: SparkMLS
Tax Information
Annual Tax$2,068
Tax Year2024
Assessed Value$39,719
Parcel #070-R60-000-008-00
Source: SparkMLS
Legal Description
LOT 8 ROBYS PLAT SEC 8 T6S R6W
Property Records
FEMA Flood Zone: Zone AE — 100-year floodplain
Flood insurance required for federally backed mortgages
Source: FEMA NFHLUSDA Rural Development: Eligible — 0% Down Payment Available
Verify eligibility at USDAListed by Grace Roberts
Real Broker LLC
Frequently Asked Questions about 532 Roby Beach Drive, Coldwater, MI 49036
Which school district serves 532 Roby Beach Drive, Coldwater, MI 49036?
Per MLS# 25024737, 532 Roby Beach 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.
What financing options are available for 532 Roby Beach Drive, Coldwater, MI 49036?
Per MLS# 25024737, this listing accepts Cash, VA Loan, Conventional financing. Financing acceptance is subject to change — confirm with the listing agent.
What are the property taxes at 532 Roby Beach Drive, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $2,068 (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, 532 Roby Beach 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 532 Roby Beach Drive, Coldwater, MI 49036 in a flood zone?
Per FEMA flood maps, this property is designated as Zone AE, 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 532 Roby Beach Drive, Coldwater, MI 49036. The maximum advertised download speed is 1.0 Gbps. 10 internet providers serve this address. Confirm availability and speeds directly with providers.
What utilities serve 532 Roby Beach Drive, Coldwater, MI 49036?
Per Michigan Public Service Commission service territory data: Electric: Coldwater Board of Public Utilities. 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 Coldwater police department or the Branch County sheriff's office.
Map
Mortgage Calculator
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Monthly payment$1,945
Principal & interest$1,945
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1 Gbps
Upload
1 Gbps
FiberCableLicensed Fixed WirelessGSO SatelliteSatellite
10 providers at this address
Coldwater Board of Public UtilitiesFiber
1 GbpsSpectrumCable
1 GbpsVerizonLicensed Fixed Wireless
300 MbpsStarlinkGSO Satellite
280 MbpsColdwater Board of Public UtilitiesCable
200 MbpsHughesNetSatellite
100 MbpsViasat IncSatellite
100 MbpsAT&TLicensed Fixed Wireless
25 MbpsDMCI Broadband LLCLicensed Fixed Wireless
10 MbpsT-MobileLicensed Fixed Wireless
0 MbpsFCC Broadband Data Collection (Dec 2025). Max advertised speeds.
Utilities
Coldwater Board of Public Utilities
Municipal
Michigan Gas Utilities Corporation
Investor-Owned
MI Public Service Commission service territory boundaries.
Property
532 Roby Beach Drive, Coldwater, MI 49036
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