385 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 385 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1949
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$67,000 (Sep 2012)
Tax Bill	$876 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-130-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-130-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	720 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Garage Area	299 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	385 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 71 TAPPAN SHOE FACTORY ADDN SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	TAPPAN SHOE FACTORY ADD
Legal Lot Number	71
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1007
Census Tract	951500

Owner

385 Morse St is owned and occupied by an individual who bought it in September 2012.

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

Owner of Record	Individual Name on File
Mailing Address	385 MORSE ST, COLDWATER, MI 49036-1425
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
Apr 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage HONOR CU
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HONOR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2012 · Amount on File
Deed Sale	Sep 11, 2012 · Amount on File
Prior Sale	Mar 27, 2009 · Amount on File
Deed Document Number	20126135
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	385 MORSE ST, COLDWATER, MI 49036-1425
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 MORSE ST, COLDWATER, MI 49036-1425

Mortgage

Document Number	0202302298
Date	Apr 26, 2023
Instrument	2023-02298

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Index	6-Month CD Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	385 MORSE ST, COLDWATER, MI 49036-1425
Transaction Type	Mortgage
Record Updated	Jul 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202104947
Date	Jun 22, 2021
Instrument	2021-04947

Lender

Name	HONOR CU
Type	Credit Union
Address	BERRIEN SPRINGS, MI 49103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 16, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 385 Morse St was $876, up 3.7% 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		$45,550 (+0.33%)	$91,100 (+0.33%)
2025	$876.00 (+3.67%)	$45,400	$90,800
2024	$845.00

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

Flood

FEMA maps place 385 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

Wildfire risk around 385 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 99.1% of the US · lower than 98.4% 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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

Nearby Properties on Morse St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures