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Single Family ResidenceResidential
$240,022$189 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

645 RIVER RD

COLDWATER, MI 49036
2
Baths
1,272 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.

Valuation

$240K
$224K low$257K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$188,022
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$150,418
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.29%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$52,000
OAK MORTGAGE LLC · 3.25% 1 · recorded Jan 26, 2022

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyBRANCH
Lot (acres)The size of the land the home sits on, from county records.0.69
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Legg Middle SchoolB
Middle · Grades 6–8 · 2.3 mi
H
Coldwater High SchoolB-
High · Grades 9–12 · 2.4 mi
E
Max Larsen Elementary School
Elementary · Grades KG–1 · 2.6 mi

District: Coldwater Community Schools

Neighborhood · ZIP 49036These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.69
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.25,231
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.154 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,964
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,832
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

645 River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 69% of homes in Branch County
  • Costs more per square foot than 85% of homes in Coldwater 49036
  • Smaller than 66% of homes in Branch County
  • Has a bigger lot than 76% of homes in Coldwater 49036
  • Newer than 79% of homes in Coldwater 49036

What homes are worth in Coldwater 49036

Each bar is how many homes fall in that price range. The marker is this home.

This home
$48K$881K

This home is worth more than 63% of homes in Coldwater 49036.

How it measures up in Coldwater 49036

The dot is this home. The mark in the middle is the typical home in Coldwater 49036.

Estimated value$240,022
CheaperTypical $193,717Pricier

Pricier than 63% of homes nearby

Price per ft²$189
CheaperTypical $129Pricier

Pricier than 85% of homes nearby

Living area1,272 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.69 ac
SmallerTypical 0.32 acBigger

Bigger than 76% of homes nearby

Year built1994
OlderTypical 1965Newer

Newer than 79% of homes nearby

How 645 River Rd ranks against every home in each area.
MeasureThis homeColdwater 49036Branch County
Estimated valuepricier than$240,02263% of homes69% of homes
Price per ft²pricier than$18985% of homes83% of homes
Living areabigger than1,272 ft²35% of homes34% of homes
Lot sizebigger than0.69 ac76% of homes65% of homes
Year builtnewer than199479% of homes77% of homes

About 645 River Rd

How much is 645 River Rd, Coldwater, MI worth?

The TopHap Estimate for 645 River Rd, Coldwater, MI is $240,022 as of Jul 14, 2026. The likely range is $223,542 to $256,502. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 River Rd, Coldwater, MI last sell?

645 River Rd, Coldwater, MI last sold on Mar 7, 2001, according to the county's recorded deed.

How big is 645 River Rd, Coldwater, MI?

645 River Rd, Coldwater, MI has 2 bathrooms, 1,272 square feet of living space and a 0.69-acre lot.

When was 645 River Rd, Coldwater, MI built?

645 River Rd, Coldwater, MI was built in 1994, making it 32 years old. It is a ranch home.

What schools serve 645 River Rd, Coldwater, MI?

645 River Rd, Coldwater, MI is assigned to Legg Middle School (middle), rated B; Coldwater High School (high), rated B-; Max Larsen Elementary School (elementary). All sit in Coldwater Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 River Rd, Coldwater, MI compare to other homes in Coldwater 49036?

Among the 10,551 homes in Coldwater 49036, it is worth more than 63% of them ($240,022 against a typical $193,717), its price per square foot is higher than 85% of them ($189 against a typical $129), it is bigger than 35% of them (1,272 ft² against a typical 1,456 ft²), its lot is bigger than 76% of them (0.69 ac against a typical 0.32 ac) and it is newer than 79% of them (1994 against a typical 1965). Measured against all of Branch County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Coldwater 49036

Assigned schools

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