Genesee County property record for 3446 W Coldwater Rd, Mount Morris, MI 48458
| Property Type | Single Family Home |
|---|---|
| Lot Size | 8.62 acres (375,487 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Apr 2026) |
| Tax Bill | $3,652 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-15-300-012 |
| Primary APN | 14-15-300-012 |
|---|
| Lot Area | 375,487 sqft (8.62 acres) |
|---|
| Street Address | 3446 W COLDWATER RD |
|---|---|
| City | MOUNT MORRIS |
| State | MI |
| Zip | 48458-9400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 20 RDS OF E 40 RDS OF SW 1/4 OF SW 1/4, EXCEPT S 365 FT OF W 165 FT SEC 15 T8N R6E (91) FR 1400020011 |
| Legal Range | 06E |
| Legal Township | 08N |
| Legal Section | 15 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | MOUNT MORRIS |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10504 |
3446 W Coldwater Rd is owned by two individuals who bought it in April 2026.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6197 FLOWERDAY DR, MOUNT MORRIS, MI 48458-2811 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 30, 2026 | Warranty Deed, Transfer · VA Mortgage TOWNE MORTGAGE COMPANY |
| Jun 21, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on File |
| Deed Sale | Apr 30, 2026 · Amount on File |
| Deed Document Number | 202626732 |
| Prior Transfer Date | Jun 19, 2018 |
| Prior Transfer Doc | 0000072738 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 3446 W COLDWATER RD, MOUNT MORRIS, MI 48458-9400 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3446 W COLDWATER RD, MOUNT MORRIS, MI 48458-9400 |
| Document Number | 0000010960 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 202403130010960 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Apr 30, 2026 |
| Property Address | 3446 W COLDWATER RD, MOUNT MORRIS, MI 48458-9400 |
| Document Number | 0000026732 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.26732 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282,295.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6197 FLOWERDAY DR, MOUNT MORRIS, MI 48458-2811 |
| Investor | Possibly a Property Investor |
| Document Number | 0000026733, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026.04.30.26733 |
| Name | TOWNE MORTGAGE COMPANY |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jun 21, 2018 |
| Property Address | 3446 W COLDWATER RD, MOUNT MORRIS, MI 48458-9400 |
| Document Number | 0000072738 |
| Instrument Date | Jun 19, 2018 |
| Instrument | 72738 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3446 W COLDWATER RD MOUNT MORRIS MI 484589400, MOUNT MORRIS, MI 48458-9400 |
The 2025 property tax bill for 3446 W Coldwater Rd was $3,652, up 0.1% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Mount Morris Township |
| Unified School District | Westwood Heights Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $219,800 (+11.52%) | $439,600 (+11.52%) | |
| 2025 | $3,652.00 (+0.11%) Homeowner's exemption | $197,100 | $394,200 |
| 2024 | $3,648.00 | ||
| 2023 | $166,800 | $333,600 | |
| 2019 | $3,076.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3446 W Coldwater Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · 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 (1981) |
| Most Recent Claim | Oct 1981 · 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 risk around 3446 W Coldwater Rd 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 94% of the US · lower than 85% 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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