22 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 22 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,562 sqft · built 1873
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jul 2026)
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-762-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-762-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,562 sqft Building Perimeter
1st Floor Area	889 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft

Exterior

Year Built	Built 1873
Effective Year Built	Effective 1873
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	22 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM ON E LI OF MORSE ST 12 RDS N OF N LI OF CHICAGO ST TH N 3 RDS TH E PAR WI CHICAGO ST 135 FT TH S 3 RDS TH WLY TO POB
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	2
Census Block	2001
Census Tract	951400

Owner

22 Morse St is owned and occupied by two individuals who bought it in July 2026.

Source: Branch County records, as of July 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22 MORSE ST, COLDWATER, MI 49036-1717
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 26, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 16, 2025	Warranty Deed, Transfer · Commercial Mortgage MATTHEW BROWER
Apr 14, 2022	Warranty Deed, Transfer MICHIGAN INV TITLE INC, MICHIGAN INVESTMENT TTL INC
Apr 11, 2018	Warranty Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Jul 16, 2025 · Amount on File
Deed Document Number	20264189
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 1, 2026
Property Address	22 MORSE ST, COLDWATER, MI 49036-1717
Document Number	0000004189
Instrument Date	Jun 19, 2026
Instrument	20264189
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	IRONGATE TITLE AGENCY LLC, IRONGATE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182,406.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 MORSE ST, COLDWATER, MI 49036-1717

Mortgage

Document Number	0000004069,
Date	Jul 1, 2026
Instrument	20264069

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Recording Date	Jun 26, 2026
Property Address	22 MORSE ST, COLDWATER, MI 49036-1717
Document Number	0000004069
Instrument Date	Jun 19, 2026
Instrument	20264069
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	UNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E WASHINGTON ST, COLDWATER, MI 49036-1941

Mortgage

Document Number	0000004069,
Date	Jun 26, 2026
Instrument	20264069

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jul 16, 2025
Property Address	22 MORSE ST, COLDWATER, MI 49036-1717
Document Number	0202504235
Instrument Date	Jul 16, 2025
Instrument	2025-04235
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	IRONGATE TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 19851, KALAMAZOO, MI 49019-0851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 S MAPLE ST, ZEELAND, MI 49464-1914
Investor	Possibly a Property Investor

Mortgage

Document Number	0202504236
Date	Jul 16, 2025
Instrument	2025-04236

Lender

Name	MATTHEW BROWER
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Apr 14, 2022
Property Address	22 MORSE ST, COLDWATER, MI 49036-1717
Document Number	0202202811
Instrument Date	Mar 29, 2022
Instrument	2022-02811
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	MICHIGAN INV TITLE INC, MICHIGAN INVESTMENT TTL INC

Transaction

Amount	Amount on Record
Tax	$832.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 MORSE ST, 22, COLDWATER, MI 49036-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 19331, KALAMAZOO, MI 49019-0331

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Apr 11, 2018
Property Address	22 MORSE ST, COLDWATER, MI 49036-1717
Document Number	201802580
Instrument Date	Apr 9, 2018
Instrument	2018-02580
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH ABSTRACT & TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$915.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 MORSE ST, 22, COLDWATER, MI 49036-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	28 W STATE ST APT 8, 8, COLDWATER, MI 49036-1082

Mortgage

Document Number	201802581
Date	Apr 11, 2018
Instrument	2018-02581

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 22 Morse St was $3,155, up 3.5% from the year before.

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		$67,750 (+9.89%)	$135,500 (+9.89%)
2025	$3,155.00 (+3.51%)	$61,650	$123,300
2024	$3,048.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 22 Morse St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 22 Morse St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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