Branch County property record for 441 Morse St, Coldwater, MI 49036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,032 sqft · built 1963 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jan 2023) |
| Tax Bill | $2,440 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 302-000-000-098-00 |
| Primary APN | 302-000-000-098-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 360 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 441 MORSE ST |
|---|---|
| City | COLDWATER |
| State | MI |
| Zip | 49036-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 57 OF PINE CREST SUBD IN W 1/2 OF NE 1/4 SEC 15 T6S R6W |
| Legal Range | 06W |
| Legal Township | 06S |
| Legal Section | 15 |
| Legal Subdivision | PINE CREST SUBD |
| Legal Lot Number | 57 |
| Jurisdiction | BRANCH MI |
| Township / Civil Division | COLDWATER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 951500 |
441 Morse St is owned and occupied by an individual who bought it in January 2023.
Source: Branch County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 441 MORSE ST, COLDWATER, MI 49036-1450 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2023 · Amount on File |
| Deed Sale | Jan 20, 2023 · Amount on File |
| Prior Sale | Sep 8, 2016 · Amount on File |
| Deed Document Number | 2023328 |
| Prior Transfer Date | Jan 19, 1994 |
| Prior Transfer Doc | 0616000333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRANCH MI |
| Recording Date | Jan 20, 2023 |
| Property Address | 441 MORSE ST, COLDWATER, MI 49036-1450 |
| Document Number | 0202300328 |
| Map Reference | LB 4 PG 32 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 2023-00328 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 571 SCHAEFFER DR, COLDWATER, MI 49036-9457 |
| Name | Verified Name |
|---|---|
| Address | 1008 SEBRING RD, QUINCY, MI 49082-9705 |
| Document Number | 0202300329 |
|---|---|
| Date | Jan 20, 2023 |
| Instrument | 2023-00329 |
| Name | HONOR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 67 Months |
| Due | Aug 1, 2028 |
The 2025 property tax bill for 441 Morse St was $2,440, up 3.3% from the year before.
Source: Branch County assessment roll, as of July 7, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Branch County |
| Municipality | Coldwater City |
| Unified School District | Coldwater Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,900 (+0.25%) | $121,800 (+0.25%) | |
| 2025 | $2,440.00 (+3.35%) | $60,750 | $121,500 |
| 2024 | $2,361.00 |
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.
FEMA maps place 441 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 risk around 441 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.
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 |
| 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.
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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