1025 Howard St, Mount Morris, MI 48458 Property Records

Genesee County property record for 1025 Howard St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,968 sqft · built 1928
Lot Size	0.224 acres (9,757 sqft)
Owner	Individual Name on File
Tax Bill	$1,624 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`57-06-552-027`

Property Details

APN / Parcel Number

Primary APN	`57-06-552-027`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,968 sqft Living Area
1st Floor Area	984 sqft
Basement Area	984 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1025 HOWARD ST
City	MOUNT MORRIS
State	MI
Zip	48458-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	E 1/2 OF LOT 26 & LOT 27 MC NIELS ADDITION (78)
Legal Subdivision	MC NIELS ADDITION
Legal Lot Number	26-27
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	1
Census Block	1014
Census Tract	12310

Owner

1025 Howard St is owned and occupied by an individual.

Source: Genesee County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	1025 HOWARD ST, MOUNT MORRIS, MI 48458-1701
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
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 3, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 21, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1025 HOWARD ST, MOUNT MORRIS, MI 48458-1701
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 HOWARD ST, MOUNT MORRIS, MI 48458-1701

Mortgage

Document Number	0000022114
Date	Nov 17, 2025
Instrument	202511170022114

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1025 HOWARD ST, MOUNT MORRIS, MI 48458-1701
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 HOWARD ST, MOUNT MORRIS, MI 48458-1701

Mortgage

Document Number	0000030786
Date	May 3, 2023
Instrument	202305030030786

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1025 HOWARD ST, MOUNT MORRIS, MI 48458-1701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055586
Date	Aug 21, 2019
Instrument	201908210055586

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Howard St was $1,624 with a homeowner's exemption, up 2.4% from the year before.

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Mount Morris City
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,800 (+17.69%) Land $4,100 Building $95,700	$199,600 (+17.69%) Land $8,200 Building $191,400
2025	$1,624.00 (+2.4%) Homeowner's exemption	$84,800	$169,600
2024	$1,586.00
2023		$69,600	$139,200
2021	$1,446.00

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

Flood

FEMA maps place 1025 Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 19, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1025 Howard St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CITY OF MOUNT MORRIS serves 3,086 people · EPA ID MI0004520
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
Monitoring and Reporting	1 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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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