391 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 391 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 925 sqft · built 1953
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$203,000 (Oct 2026)
Tax Bill	$2,458 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-129-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-129-00`

Interior

Full Baths	1 Bath
Building Area	925 sqft Living Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Lot Area	7,405 sqft (0.17 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	391 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 72 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	72
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1007
Census Tract	951500

Owner

391 Morse St is owned by an individual who bought it in October 2026.

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

Owner of Record	Individual Name on File
Mailing Address	570 E STATE RD, COLDWATER, MI 49036-9461
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
Oct 2, 2026	Warranty Deed, Transfer · USDA Mortgage UNITED STATES DEPARTMENT OF AGRICULTURE
Oct 10, 2025	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Jul 10, 2023	Intrafamily Transfer, Transfer BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I
Jun 15, 2023	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Jun 15, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Jun 15, 2023 · Amount on File
Deed Document Number	20266164
Prior Transfer Date	Jul 10, 2023
Prior Transfer Doc	0202303714
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Oct 2, 2026
Property Address	391 MORSE ST, COLDWATER, MI 49036-1425
Document Number	0000006164
Instrument Date	Sep 25, 2026
Instrument	20266164
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	DEVON, DEVON TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176,325.80
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	570 E STATE RD, COLDWATER, MI 49036-9461

Mortgage

Document Number	0000006165,
Date	Oct 2, 2026
Instrument	20266165

Lender

Name	UNITED STATES DEPARTMENT OF AGRICULTURE

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	395 Months
Due	Sep 25, 2059

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRANCH MI
Property Address	391 MORSE ST, COLDWATER, MI 49036-1425
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 MORSE ST, COLDWATER, MI 49036-1425

Mortgage

Document Number	0202506100
Date	Oct 10, 2025
Instrument	2025-06100

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	8241 DOW CIR, STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRANCH MI
Recording Date	Jul 10, 2023
Property Address	391 MORSE ST, COLDWATER, MI 49036-1425
Document Number	0202303714
Map Reference	LB 2 PG 14
Instrument Date	Jul 10, 2023
Instrument	2023-03714
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 S WASHINGTON ST, VAN WERT, OH 45891-2307

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 15, 2023
Property Address	391 MORSE ST, COLDWATER, MI 49036-1425
Document Number	0202303292
Map Reference	LB 2 PG 14
Instrument Date	Jun 9, 2023
Instrument	2023-03292
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH COUNTY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 JONESVILLE RD, COLDWATER, MI 49036-9633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 S WASHINGTON ST, VAN WERT, OH 45891-2307

Mortgage

Document Number	0202303293
Date	Jun 15, 2023
Instrument	2023-03293

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 15, 2023
Property Address	391 MORSE ST, COLDWATER, MI 49036-1425
Document Number	0202303291
Map Reference	LB 2 PG 15
Instrument Date	Dec 14, 2021
Instrument	2023-03291
Transaction Type	Transfer
Record Updated	Jul 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	391 MORSE ST, COLDWATER, MI 49036-1425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 JONESVILLE RD, COLDWATER, MI 49036-9633

Tax Assessment & Valuation

The 2025 property tax bill for 391 Morse St was $2,458, up 1.2% 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		$63,550 (+3.84%)	$127,100 (+3.84%)
2025	$2,458.00 (+1.24%)	$61,200	$122,400
2024	$2,428.00
2023		$55,550	$111,100

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 391 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 391 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.

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