For Sale
686 Leonard Drive, Coldwater, MI 49036
$779,900
MLS # 26030586 (Michigan Regional Information Center (MichRIC))
5 beds4 baths5,743 sqftBuilt 19720.83 acres
1 / 51
Listing Description
*MORRISON LAKE-COLDWATER GOLF COURSE* Wake up every day to postcard-worthy views of Morrison Lake and the beautifully manicured Coldwater Golf Course. This spacious 5-bedroom, 4-bath home sits in one of the most desirable settings on the North Chain, offering a perfect blend of comfort, privacy, and year-round recreation. Inside, you'll find bright, open living spaces designed for gathering--an inviting kitchen, a cozy fireplace sitting area, and a large family room with an adjacent game room. The primary suite feels like a private retreat with its own living area, updated spa-style shower, beverage bar, and direct access to the expansive two-tier deck overlooking the water and fairways. Whether you're hosting friends, enjoying quiet mornings on the deck, or watching golfers pass by on holes 13 & 14, this home delivers the peaceful lake-and-golf lifestyle you've been dreaming of.
Source: SparkMLS
About this home
This 5-bedroom, 4-bath, 5,743 sq ft home built in 1972 sits in Coldwater.
Asking $779,900 (about $136/sq ft).
Property tax estimate: $8,706 per year ($726/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
Bedrooms5
Bathrooms4
Living Area5,743 sqft
Lot Size0.83 acres
Year Built1972
Stories1
Location
CityColdwater
MunicipalityColdwater
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleRanch
ConstructionBrick, Vinyl Siding
BasementWalk-Out Access
Garage2 spaces
HeatingHot Water
WaterWell
SewerSeptic Tank
UtilitiesNatural Gas Connected, Cable Connected, High-Speed Internet
InteriorGarage Door Opener, Center Island, Pantry
Sale & Financing
Listed6/18/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$8,706
Tax Year2025
Assessed Value$331,926
Parcel #070-M76-000-003-99
Source: SparkMLS
Legal Description
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 Karmen Ann Case
Case Realty Group
Frequently Asked Questions about 686 Leonard Drive, Coldwater, MI 49036
What school district is 686 Leonard Drive, Coldwater, MI 49036 in?
Per MLS# 26030586, this property is served by Coldwater. In Michigan, school district boundaries are set by the state and do not always follow city limits.
Can I use FHA or VA financing for this property?
Per MLS# 26030586, 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# 26030586, the most recent reported annual property tax for 686 Leonard Drive, Coldwater, MI 49036 is $8,706 (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.
Is 686 Leonard Drive, 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, 686 Leonard Drive, 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: Coldwater Board of Public Utilities. 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$5,058
Principal & interest$5,058
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
686 Leonard Drive, Coldwater, MI 49036
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