184 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 184 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,221 sqft · built 1999
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Jun 2020)
Tax Bill	$2,842 (2025)
Deeds & Mortgages	May 2025 Line of Credit Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-332-03`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-332-03`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,221 sqft Living Area
1st Floor Area	1,215 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modular
Lot Area	11,326 sqft (0.26 acres)
Garage Area	672 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	184 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR OF E 1/2 OF SW 1/4 SEC 15 TH DUE S ALG CEN LI MORSE ST 1199 FT TH S 89DEG 53MIN 09SEC E 33 FT TO E LI MORSE ST
Legal Subdivision	F V SMITHS ADD
Legal Block	11
Legal Lot Number	5
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1013
Census Tract	951400

Owner

Source: Branch County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	184 MORSE ST, COLDWATER, MI 49036-1462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2025	Deed of Trust, Mortgage · Line of Credit MARSHALL COMMUNITY CREDIT UNION
Jun 22, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 18, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Prior Sale	Jul 30, 1999 · Amount on Record
Deed Document Number	20203937
Prior Transfer Date	Feb 13, 2020
Prior Transfer Doc	0202000906
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	184 MORSE ST, COLDWATER, MI 49036-1462
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 MORSE ST, COLDWATER, MI 49036-1462

Mortgage

Document Number	0202502971
Date	May 15, 2025
Instrument	2025-02971

Lender

Name	MARSHALL COMMUNITY CREDIT UNION
Address	839 W GREEN ST, MARSHALL, MI 49068

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 25, 2040

Interest

Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 22, 2020
Property Address	184 MORSE ST, COLDWATER, MI 49036-1462
Document Number	0202003937
Instrument Date	Jun 15, 2020
Instrument	2020-03937
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,005.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	188 SMITH ST, COLDWATER, MI 49036-1540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SAUK BLVD # 208, 208, COLDWATER, MI 49036-8809

Mortgage

Document Number	0202003938
Date	Jun 22, 2020
Instrument	2020-03938

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Feb 18, 2020
Property Address	184 MORSE ST, COLDWATER, MI 49036-1462
Document Number	0202000906
Instrument Date	Feb 13, 2020
Instrument	2020-00906
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SMITH ST, COLDWATER, MI 49036-1540

Tax Assessment & Valuation

Source: Branch County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Branch County
Municipality	Coldwater City
Unified School District	Coldwater Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,200 (+33.33%)	$208,400 (+33.33%)
2025	$2,842.00 (+3.68%)	$78,150	$156,300
2024	$2,741.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLDWATER serves 13,822 people · EPA ID MI0001500
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 472 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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