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Single Family ResidenceResidential
$178,719$143 / 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 94How 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
Last sold for $98,000 on Nov 29, 2016

653 RIVER RD

COLDWATER, MI 49036
2
Beds
1
Baths
1,249 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.
1.55 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.

Valuation

$179K
$167K low$190K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$98,000 · Nov 29, 2016
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.$103,719
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$82,975
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.43%
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.$75,000
THE HUNTINGTON NATIONAL BANK · recorded May 23, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,475 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$83,000 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$88,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$166,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.18 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBRANCH
Lot (acres)The size of the land the home sits on, from county records.1.55
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(2)

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 · 2.5 mi
E
Max Larsen Elementary School
Elementary · Grades KG–1 · 2.7 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

653 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.

  • Smaller than 68% of homes in Branch County
  • Has a bigger lot than 87% of homes in Coldwater 49036
  • Older than 76% 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
$45K$884K

This home is worth more than 45% 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$178,719
CheaperTypical $193,015Pricier

Pricier than 45% of homes nearby

Price per ft²$143
CheaperTypical $130Pricier

Pricier than 60% of homes nearby

Living area1,249 ft²
SmallerTypical 1,450 ft²Bigger

Bigger than 33% of homes nearby

Lot size1.55 ac
SmallerTypical 0.31 acBigger

Bigger than 87% of homes nearby

Year built1930
OlderTypical 1965Newer

Newer than 24% of homes nearby

How 653 River Rd ranks against every home in each area.
MeasureThis homeColdwater 49036Branch County
Estimated valuepricier than$178,71945% of homes50% of homes
Price per ft²pricier than$14360% of homes62% of homes
Living areabigger than1,249 ft²33% of homes32% of homes
Lot sizebigger than1.55 ac87% of homes80% of homes
Year builtnewer than193024% of homes25% of homes

About 653 River Rd

How much is 653 River Rd, Coldwater, MI worth?

The TopHap Estimate for 653 River Rd, Coldwater, MI is $178,719 as of Jul 14, 2026. The likely range is $167,211 to $190,227. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 653 River Rd, Coldwater, MI last sell?

653 River Rd, Coldwater, MI last sold on Nov 29, 2016 for $98,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 653 River Rd, Coldwater, MI?

653 River Rd, Coldwater, MI has 2 bedrooms, 1 bathrooms, 1,249 square feet of living space and a 1.55-acre lot.

When was 653 River Rd, Coldwater, MI built?

653 River Rd, Coldwater, MI was built in 1930, making it 96 years old.

What schools serve 653 River Rd, Coldwater, MI?

653 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 653 River Rd, Coldwater, MI compare to other homes in Coldwater 49036?

Among the 10,551 homes in Coldwater 49036, it is worth more than 45% of them ($178,719 against a typical $193,015), its price per square foot is higher than 60% of them ($143 against a typical $130), it is bigger than 33% of them (1,249 ft² against a typical 1,450 ft²), its lot is bigger than 87% of them (1.55 ac against a typical 0.31 ac) and it is newer than 24% of them (1930 against a typical 1965). Measured against all of Branch County, it is worth more than 50% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 653 River Rd, Coldwater, MI?

The 2025 property tax bill for 653 River Rd, Coldwater, MI was $1,475. The county assessed it at $83,000.

Closest homes

More homes in Coldwater 49036

Assigned schools

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