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325 W Chicago Rd, Coldwater, MI, 49036

2beds
2baths
1,328sqft
$230,000
$173price/sqft
$1,701/moest. monthly cost
$68,040/yrincome needed

About This Home

Welcome to this spacious retro-style home on 10 peaceful acres just outside of Coldwater. Don't let the front view fool you -- this property offers plenty of room to live, work, and play. Inside features include an indoor porch, open kitchen/den area, cozy living room, two upstairs bedrooms, and a full bath. The lower level offers a laundry room, half bath, recreation room, potential additional bedroom, and a three-season porch with walk-out access to the backyard. Outside you'll find multiple outbuildings including a multi-stall two-story barn, 40 ft trailer, shed, carport, and two back porches. Woods along the west and south sides provide added privacy and a peaceful setting. Whether you're looking for a hobby farm, extra storage, or a quiet country retreat, this property offers incredible potential with vintage charm throughout.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

--
6/10
Bronson Jr/Sr High SchoolGrades 6-125.3 mi
5/10
Ryan Elementary SchoolGrades 3-55.8 mi

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Features

  • Ceiling Fan(s),Pantry
  • Flooring: Carpet,Linoleum
  • Finished area below ground: 800

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,328
  • Total interior livable area: 1,328 sqft

Property

Details

  • Parcel number: 06003410000500

Features

  • Stories: 1

Lot

  • Lot size: 10 Acres
  • Features: Wooded,Rolling Hills
  • Lot size dimensions: irregular

Parking

  • Parking features: Carport
  • Carport: Yes

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
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Drought
Hail
Inland Flooding
Lightning
Tornado
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 $1,163$13,956
Home Insurance *$123$1,476
Property Taxes $227$2,724
Electricity $188$2,259
Total$1,701$20,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,320/yr
40% on housing$51,030/yr
45% on housing$45,360/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

$173This 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
2026-05-28Listed for sale$230,000
2026-04-08Listing removed--
2026-01-08Pending sale$223,000
2025-11-11Price change$223,000
2025-10-06Listed for sale$228,000

For Sale by Agent

AgentErin Garnaat
BrokerageBerkshire Hathaway HomeServices Michigan Real Estate

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