96 Morse St, Coldwater, MI 49036 Property Records

Branch County property record for 96 Morse St, Coldwater, MI 49036

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,170 sqft · built 1871
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (May 2025)
Tax Bill	$1,942 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`302-000-000-496-00`

Property Details

APN / Parcel Number

Primary APN	`302-000-000-496-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,170 sqft Building Perimeter
1st Floor Area	928 sqft
Basement Area	318 sqft
Unfinished Basement	318 sqft

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Lot Area	4,792 sqft (0.11 acres)
Garage Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	96 MORSE ST
City	COLDWATER
State	MI
Zip	49036-1465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM ON E LI OF MORSE ST 3 RDS N OF N LI OF HULL ST TH E 7 RDS TH N TO A PT 22 RDS N OF S LI OF SEC 15 TH W TO E LI OF MORSE
Jurisdiction	BRANCH MI
Township / Civil Division	COLDWATER
Census Block Group	1
Census Block	1018
Census Tract	951400

Owner

96 Morse St is owned by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	76 N HUDSON ST, COLDWATER, MI 49036-1636
Owner Type	Individual
Vesting	Married Man, Separate Property

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 22, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage OAK MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2025 · Amount on File
Deed Sale	May 22, 2025 · Amount on File
Prior Sale	Jan 17, 2023 · Amount on File
Deed Document Number	20253090
Prior Transfer Date	May 2, 1994
Prior Transfer Doc	0622000466
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	May 22, 2025
Property Address	96 MORSE ST, COLDWATER, MI 49036-1465
Document Number	0202503090
Instrument Date	May 9, 2025
Instrument	2025-03090
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	96 MORSE ST, COLDWATER, MI 49036-1465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 MORSE ST, COLDWATER, MI 49036-1465

Mortgage

Document Number	0202503342
Date	May 22, 2025
Instrument	2025-03342

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Jan 17, 2023
Property Address	96 MORSE ST, COLDWATER, MI 49036-1465
Document Number	0202300256
Instrument Date	Jan 6, 2023
Instrument	2023-00256
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	96 MORSE ST, COLDWATER, MI 49036-1465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CHRISTY RD, BATTLE CREEK, MI 49015-4129

Mortgage

Document Number	0202300257
Date	Jan 17, 2023
Instrument	2023-00257

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRANCH MI
Recording Date	Aug 24, 2021
Property Address	96 MORSE ST, COLDWATER, MI 49036-1465
Document Number	0202106530
Instrument Date	Aug 10, 2021
Instrument	2021-06530
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 N MICHIGAN AVE LOT 79, 79, COLDWATER, MI 49036-1580

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 S FALL RIVER DR, COLDWATER, MI 49036-9134

Mortgage

Document Number	0202106531
Date	Aug 24, 2021
Instrument	2021-06531

Lender

Name	OAK MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 96 Morse St was $1,942, down 0.5% 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		$53,550 (+10.75%)	$107,100 (+10.75%)
2025	$1,942.00 (-0.46%)	$48,350	$96,700
2024	$1,951.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 96 Morse St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 96 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 472 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Coldwater Board of Public Utilities Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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