10381 Phal Rd, Grass Lake, MI 49240 Property Records

Jackson County property record for 10381 Phal Rd, Grass Lake, MI 49240

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,066 sqft · built 2002
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Dec 2016)
Tax Bill	$4,015 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000-15-17-251-001-10`

Property Details

APN / Parcel Number

Primary APN	`000-15-17-251-001-10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,066 sqft Living Area
1st Floor Area	1,377 sqft
Basement Area	1,377 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	353 ft deep x 185 ft wide
Garage Area	1,032 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10381 PHAL RD
City	GRASS LAKE
State	MI
Zip	49240-9494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2- SIN
Legal Description	BEG AT E 1/4 POST OF SEC 17 TH N01 15'55''E 1195.08 FT TH N85 58'56''W ALG CEN LN OF PHAL RD 1125 FT TO POB TH S01 15'55''W
Legal Range	02E
Legal Township	03S
Legal Section	17
Jurisdiction	JACKSON MI
Township / Civil Division	GRASS LAKE
Census Block Group	1
Census Block	1025
Census Tract	6804

Owner

10381 Phal Rd is owned and occupied by two individuals who acquired it in August 2021.

Source: Jackson County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10381 PHAL RD, GRASS LAKE, MI 49240-9494
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
Feb 17, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 6, 2023	Warranty Deed, Transfer · USDA Mortgage MORTGAGE 1 INC
Aug 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2016 · Amount on File
Deed Sale	Dec 6, 2016 · Amount on File
Prior Sale	Nov 1, 2001
Deed Document Number	20162755362
Deed Book / Page	2089 / 474
Last Transfer Date	Aug 13, 2021
Transfer Doc	0002891782
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	10381 PHAL RD, GRASS LAKE, MI 49240-9494
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10381 PHAL RD, GRASS LAKE, MI 49240-9494

Mortgage

Document Number	0002999355
Date	Feb 17, 2026
Book Page	2277/62
Instrument	2999355

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Sep 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Jul 6, 2023
Property Address	10381 PHAL RD, GRASS LAKE, MI 49240-9494
Document Number	0002941117
Book / Page	2232 / 326
Instrument Date	Jun 29, 2023
Instrument	2941117
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	NOT AVAILABLE, AT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,722.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9889 HAWKINS HWY, BROOKLYN, MI 49230-9029

Mortgage

Document Number	0002941118
Date	Jul 6, 2023
Instrument	2941118

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON MI
Recording Date	Aug 17, 2021
Property Address	10381 PHAL RD, GRASS LAKE, MI 49240-9494
Document Number	0002891782
Book / Page	2194 / 392
Instrument Date	Aug 13, 2021
Instrument	2891782
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10872 ABBEY DR, BRIGHTON, MI 48114-9042

Mortgage

Document Number	0021940167
Date	Aug 17, 2021
Instrument	2194-0167

Lender

Name	UNITED WHOLESALE MORTGAGE
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 10381 Phal Rd was $4,015 with a homeowner's exemption, down 27.7% from the year before.

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
County Subdivision	Grass Lake Charter Township
Unified School District	Grass Lake Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,900 (+12.73%)	$371,800 (+12.73%)
2025	$4,015.00 (-27.75%)	$164,900	$329,800
2024	$5,557.00
2023		$152,800	$305,600
2022	$4,627.00

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

Flood

FEMA maps place 10381 Phal Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 3, 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 10381 Phal Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Phal Rd

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