494 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 494 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 2001
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Jun 2022)
Tax Bill	$2,563 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-975-08`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-975-08`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,152 sqft Building Perimeter
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,405 sqft (0.17 acres)
Garage Area	252 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	494 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 8 EAST POINTE SUBD ACCORDING TO MASTER DEED L828 P840-894 BR CO SUBD PLAN NO 13 BR CO RECDS SEC 15 T6S 6W
Legal Subdivision	EAST POINTE SUBD
Legal Unit	8
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1004
Census Tract	951400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	494 MORSE ST, COLDWATER, MI 49036-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 25, 2019	Warranty Deed, Transfer · Commercial Mortgage MARSHALL COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	20223932
Prior Transfer Date	Mar 23, 2007
Prior Transfer Doc	0200703923
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 3, 2022
Property Address	494 MORSE ST, COLDWATER, MI 49036-1424
Document Number	0202203932
Instrument Date	May 27, 2022
Instrument	2022-03932
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	MUTUAL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 W CHICAGO ST, 455, COLDWATER, MI 49036-1802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 MORSE ST, COLDWATER, MI 49036-1424

Mortgage

Document Number	0202203933
Date	Jun 3, 2022
Instrument	2022-03933

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jun 25, 2019
Property Address	494 MORSE ST, COLDWATER, MI 49036-1424
Document Number	201903944
Map Reference	LB 828 PG 840-894
Instrument Date	Jun 13, 2019
Instrument	2019-03944
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	494 MORSE ST, 494, COLDWATER, MI 49036-1424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 W CHICAGO ST, COLDWATER, MI 49036-1802
Investor	Possibly a Property Investor

Mortgage

Document Number	201903945
Date	Jun 25, 2019
Instrument	2019-03945

Lender

Name	MARSHALL COMMUNITY CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$80,750 (+5.83%)	$161,500 (+5.83%)
2025	$2,563.00 (+3.68%)	$76,300	$152,600
2024	$2,472.00

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

Flood

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 Policies	2 in force

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

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.

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