471 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 471 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,247 sqft · built 1955
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (May 2023)
Tax Bill	$3,308 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-035-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-035-00`

Interior

Full Baths	1 Bath
Building Area	1,247 sqft Living Area
1st Floor Area	1,247 sqft
Basement Area	1,247 sqft
Unfinished Basement	1,247 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	10,454 sqft (0.24 acres)
Garage Area	308 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	471 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 OF PINE CREST ADDN IN W 1/2 OF NW 1/4 SEC 15 T6S R6W
Legal Range	06W
Legal Township	06S
Legal Section	15
Legal Subdivision	PINE CREST ADD
Legal Lot Number	38
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1001
Census Tract	951500

Owner

471 Morse St is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	471 MORSE ST, COLDWATER, MI 49036-1454
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
May 18, 2023	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC
Dec 14, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Dec 14, 2021 · Amount on File
Deed Document Number	20232760
Prior Transfer Date	Feb 8, 2011
Prior Transfer Doc	0201101032
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 18, 2023
Property Address	471 MORSE ST, COLDWATER, MI 49036-1454
Document Number	0202302760
Map Reference	LB 4 PG 32
Instrument Date	May 15, 2023
Instrument	2023-02760
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	BRANCH COUNTY ABSTRACT AND TITLE INC, BRANCH CNTY ABSTRACT & TTL I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	471 MORSE ST, COLDWATER, MI 49036-1454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 W PEARL ST, COLDWATER, MI 49036-1846

Mortgage

Document Number	0202302761
Date	May 18, 2023
Instrument	2023-02761

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

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

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Dec 14, 2021
Property Address	471 MORSE ST, COLDWATER, MI 49036-1454
Document Number	0202109197
Map Reference	LB 4 PG 32
Instrument Date	Dec 1, 2021
Instrument	2021-09197
Transaction Type	Transfer
Record Updated	Jan 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 FLEMING RD, 416, TEKONSHA, MI 49092-9660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 MORSE ST, COLDWATER, MI 49036-1454

Mortgage

Document Number	0202109198
Date	Dec 14, 2021
Instrument	2021-09198

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 471 Morse St was $3,308, up 1.4% 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		$86,300 (+4.8%)	$172,600 (+4.8%)
2025	$3,308.00 (+1.44%)	$82,350	$164,700
2024	$3,261.00

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.

Flood

FEMA maps place 471 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 471 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 98% of the US · lower than 95% 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