Sold
797 Middle Lake Drive, Coldwater, MI 49036
Sold on 06/25/2026 for$1,085,000
MLS # 26009783 (Michigan Regional Information Center (MichRIC))
1 bed2 baths1,280 sqftBuilt 19587.53 acres
1 / 37
Listing Description
Opening bids: $150,000 per tract or $300,000 for the combined acreage. Online-only auction on this rare Middle Lake waterfront opportunity! Bidding opens April 7, 2026 and closes April 16, 2026 at 6:00 PM EST. Tract 1 - 6.69 +/- acres, Tract 2 - Lake Cottage and .84 +/- acres. Located on Coldwater's highly sought-after Chain of Lakes, this property offers over 1,200+ feet of combined lake and canal frontage--perfect for boating, fishing, water sports, and relaxing lake life. The property features a charming 1,280 ± sq ft lake cottage with 1 bedroom and 1.5 baths, an attached 2-car garage, and a separate outbuilding ideal for storing boats and lake toys. Enjoy peaceful canal views with quick access to open water. The property will be offered in three separate tracts, giving buyers the flexibility to bid on individual parcels or combinations. PRIVATE SHOWINGS ONLY
Source: SparkMLS
About this home
Located in Coldwater, this property offers 1-bedroom, 2-bath, 1,280 sq ft, with original construction dating to 1958.
This home sold for $1,085,000 (about $848/sq ft).
Estimated annual property tax: $5,700, or about $475 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
Bedrooms1
Bathrooms2
Living Area1,280 sqft
Lot Size7.53 acres
Year Built1958
Stories1
Location
CityColdwater
MunicipalityAlgansee Twp
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleRanch
ConstructionBrick
BasementSlab
Garage2 spaces
HeatingForced Air
WaterWell
UtilitiesNatural Gas Connected
Sale & Financing
Listed3/13/2026
Sold Date6/24/2026
Terms AcceptedCash, Conventional
Source: SparkMLS
Tax Information
Annual Tax$5,700
Tax Year2024
Assessed Value$115,262
Parcel #120-007-200-005-00
Source: SparkMLS
Legal Description
COM 2056.87 FT E FR N 1/4 PT TH E 280.05 FT ALG N SEC LI TO LK SH TH S 25DEG 51MIN 45SEC W 202.28 FT TH N 71DEG 21MIN 40SEC W 159.04 FT TH N 28DEG 19MIN 20SEC W 86.62 FT TH N 55 FT TO POB SEC 7 T7S R5W
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 797 Middle Lake Drive, Coldwater, MI 49036
What school district is 797 Middle Lake Drive, Coldwater, MI 49036 in?
Per MLS# 26009783, 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# 26009783, 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# 26009783, the most recent reported annual property tax for 797 Middle Lake Drive, Coldwater, MI 49036 is $5,700 (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 797 Middle Lake 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, 797 Middle Lake 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: Consumers Energy Company. Gas: Michigan Gas Utilities Corporation. 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 Algansee Twp police department or the Branch County sheriff's office.
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Monthly payment$973
Principal & interest$973
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
797 Middle Lake Drive, Coldwater, MI 49036
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