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686 Leonard Dr, Coldwater, MI, 49036

5beds
4baths
5,743sqft
$779,900
$136price/sqft
$6,124/moest. monthly cost
$244,960/yrincome needed

About This Home

Wake up every day to postcard-worthy views of Morrison Lake and the beautifully manicured Coldwater Golf Course. This spacious 5-bed, 4-bath home sits in one of the most desirable settings on the North Chain, offering a 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 its own retreat with a private living area, updated spa-style shower, beverage bar, and direct access to the expansive two-tier deck overlooking the lake and fairways. The walkout basement adds even more usable space and easy access to the outdoors, making it simple to enjoy the water, the views, and everything this setting offers. Whether you're hosting friends, enjoying quiet mornings on the deck, or watching golfers pass by on holes 13 and 14, this home delivers the peaceful lake-and-golf lifestyle you've been dreaming of. This company makes no warranty or representations about the contents of this data including room sizes & sq. footage. It is the responsibility of the parties looking at the property to satisfy themselves as to the accuracy of this information. Taxes were obtained from the local assessor and the taxes could change for the buyer after a closed transaction.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
7/10
Legg Middle SchoolGrades 6-82.4 mi
6/10
Coldwater High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1972

Materials

  • Roof: Composition
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Lower Level,Main Level

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 3

Features

  • Center Island,Pantry
  • Window features: Replacement,Insulated Windows
  • Flooring: Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Hot Water

Interior Area

  • Total structure area: 3,675
  • Total interior livable area: 5,743 sqft

Property

Details

  • Parcel number: 070M7600000399

Features

  • Stories: 1
  • Exterior features: Balcony
  • Waterfront features: Lake
  • Waterbody name: Morrison Lake

Lot

  • Lot size: 0.83 Acres
  • Features: Golf Community,Shrubs/Hedges
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Garage Door Opener,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters in Branch County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,943$47,316
Home Insurance *$418$5,016
Property Taxes $1,137$13,644
Electricity $626$7,516
Total$6,124$73,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,965/yr
40% on housing$183,720/yr
45% on housing$163,306/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$136This listing

vs Other Active Listings

Avg $/sqft

ZIP 49036$177
Branch County$163

vs Homes Sold Last Month

Median $/sqft

ZIP 49036$158
Branch County$142

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-04Price change$749,000
2026-06-19Listed for sale$779,900
2024-11-13Sold$1,025,000
2024-11-13Pending sale$1,229,900
2024-09-10Listed for sale$1,229,900

For Sale by Agent

AgentKarmen Ann Case
BrokerageCase Realty Group

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