Sold
88 N Sprague Street, Coldwater, MI 49036
Sold on 01/16/2026 for$190,000
MLS # 25062918 (Michigan Regional Information Center (MichRIC))
3 beds1 bath1,267 sqftBuilt 19100.23 acres
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Listing Description
Move right into this fully updated 3-bedroom, 1-bath ranch with a blend of modern features. This home offers three comfortable bedrooms, a refreshed full bath, and a nicely finished kitchen and dining area that provide a welcoming space for everyday meals and gatherings. Mechanical improvements include a new heating system and a new electrical system completed four years ago. Do not forget about the fenced in backyard and 1 car garage. A move‑in‑ready option with essential updates already completed. Call today for a personal showing.
Source: SparkMLS
About this home
3-bedroom, 1-bath, 1,267 sq ft home in Coldwater in Coldwater built in 1910.
This home sold for $190,000 (about $150/sq ft).
Estimated annual property tax: $1,710, or about $142 monthly. 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 Area1,267 sqft
Lot Size0.23 acres
Year Built1910
Stories1
Location
CityColdwater
MunicipalityColdwater City
Zip Code49036
CountyBranch
School DistrictColdwater
Construction & Systems
StyleRanch
ConstructionWood Siding
BasementFull
Garage1 space
HeatingForced Air
WaterPublic
SewerPublic
UtilitiesNatural Gas Available, Electricity Available, Cable Available
InteriorCeiling Fan(s), Eat-in Kitchen
Sale & Financing
Listed12/29/2025
Sold Date1/15/2026
Terms AcceptedCash, FHA, VA Loan, Rural Development, Conventional
Source: SparkMLS
Tax Information
Annual Tax$1,710
Tax Year2025
Assessed Value$42,284
Parcel #302-000-000-827-00
Source: SparkMLS
Legal Description
LOT 31 SEELEY PARK ADD
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 Grace Roberts
Real Broker LLC
Frequently Asked Questions about 88 N Sprague Street, Coldwater, MI 49036
Which school district serves 88 N Sprague Street, Coldwater, MI 49036?
Per MLS# 25062918, 88 N Sprague 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# 25062918, this listing accepts Cash, FHA, VA Loan, Rural Development, 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 88 N Sprague Street, Coldwater, MI 49036?
Per public tax records, annual property taxes for this property are $1,710 (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.
Can I use a USDA Rural Development loan for this property?
Per USDA Rural Development boundary data, 88 N Sprague 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 88 N Sprague 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 internet service is available at this address?
Per FCC Broadband Data Collection filings, fiber internet is available at 88 N Sprague Street, 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 88 N Sprague 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.
Map
Mortgage Calculator
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Monthly payment$1,297
Principal & interest$1,297
Estimate only. Does not include PMI or other fees. Consult a lender for exact rates.
Internet
FiberDownload
1 Gbps
Upload
1 Gbps
FiberCableGSO SatelliteSatelliteLicensed Fixed WirelessDSL
10 providers at this address
Coldwater Board of Public UtilitiesFiber
1 GbpsSpectrumCable
1 GbpsStarlinkGSO Satellite
280 MbpsColdwater Board of Public UtilitiesCable
200 MbpsHughesNetSatellite
100 MbpsViasat IncSatellite
100 MbpsAT&TLicensed Fixed Wireless
25 MbpsDMCI Broadband LLCLicensed Fixed Wireless
10 MbpsFrontierDSL
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
88 N Sprague Street, Coldwater, MI 49036
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Municipality
Coldwater
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