263 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 263 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,820 sqft
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Sep 2025)
Tax Bill	$2,356 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Dec 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-227-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-227-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,820 sqft Building Perimeter
1st Floor Area	1,320 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Lot Area	14,375 sqft (0.33 acres)
Garage Area	1,200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	263 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1458
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 LANPHERE SUB OF BROWNS SUB DIV OF LOT 54 LANPHERES ADD & LOT 8 LANPHERE SUB OF BROWNS SUB DIV OF LOT 54 LANPHERE ADD
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	LANPHERE SUB
Legal Lot Number	8-9,54
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1014
Census Tract	951500

Owner

263 Morse St is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	263 MORSE ST, COLDWATER, MI 49036-1458
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Aug 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Dec 29, 2025	Land Contract, Transfer
Sep 29, 2025	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Jan 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN MICHIGAN BANK & TRUST
Aug 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Prior Sale	Aug 16, 2024 · Amount on File
Deed Document Number	20255807
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	263 MORSE ST, COLDWATER, MI 49036-1458
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 S BEHNKE RD, COLDWATER, MI 49036-9730

Mortgage

Document Number	0202404250
Date	Aug 16, 2024
Instrument	2024-04250

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	1333 BUTTERFIELD RD STE 600, DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

December 2025: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	BRANCH MI
Recording Date	Dec 29, 2025
Property Address	263 MORSE ST, COLDWATER, MI 49036-1458
Document Number	0202507607
Map Reference	LB 1 PG 33
Instrument Date	Dec 19, 2025
Instrument	2025-07607
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	280 HILLCREST DR, COLDWATER, MI 49036-9815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 ROBIN DR, COLDWATER, MI 49036-7740

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Sep 29, 2025
Property Address	263 MORSE ST, COLDWATER, MI 49036-1458
Document Number	0202505807
Map Reference	LB 1 PG 33
Instrument Date	Sep 19, 2025
Instrument	2025-05807
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Amount	Amount on Record
Tax	$2,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	461 WARREN RD, COLDWATER, MI 49036-7516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 MORSE ST, COLDWATER, MI 49036-1458

Mortgage

Document Number	0202505808
Date	Sep 29, 2025
Instrument	2025-05808

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Private Party
Address	51 W PEARL ST, COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	263 MORSE ST, COLDWATER, MI 49036-1458
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 MORSE ST, COLDWATER, MI 49036-1458
Investor	Possibly a Property Investor

Mortgage

Document Number	0202400412
Date	Jan 26, 2024
Instrument	2024-00412

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Aug 23, 2021
Property Address	263 MORSE ST, COLDWATER, MI 49036-1458
Document Number	202106474
Instrument Date	Aug 5, 2021
Instrument	2021-06474
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Amount	Amount on Record
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 N BEHNKE RD, 209, CLOVERDALE, MI 49035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	334 PERKINS ST, COLDWATER, MI 49036-2034

Tax Assessment & Valuation

The 2025 property tax bill for 263 Morse St was $2,356, up 131% 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		$121,100 (+106.48%)	$242,200 (+106.48%)
2025	$2,356.00 (+130.98%)	$58,650	$117,300
2024	$1,020.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 263 Morse St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · rainfall accumulation

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

The area around 263 Morse St has no burnable land within ember reach, so its wildfire risk is not rated.

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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