Genesee County property record for 105 Terrace St, Flushing, MI 48433 · Last verified August 2026
| Property Type | Vacant Land > Commercial |
|---|---|
| Lot Size | 6,665 sqft (0.153 acres) |
| Tax Bill | $379.00 (2025) |
| Primary APN | 55-27-582-013 |
|---|
| Lot Area | 6,665 sqft (0.153 acres) |
|---|---|
| Depth X Width | 120 ft x 64 ft Depth x Width |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | TERRACE ST |
|---|---|
| City | FLUSHING |
| State | MI |
| Zip | 48433 |
| Property Usage | Commercial Property Usage |
| Type | Vacant Land > Commercial |
| Legal Description | LOT 47 EXCEPT N 10 FT AND LOT 48 SMITHS SUBDIVISION |
| Legal Subdivision | SMITHS SUBDIVISION |
| Legal Lot Number | 47-48 |
| Jurisdiction | GENESEE MI |
| Minor Civil Division | FLUSHING |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 10604 |
Source: Genesee County records · APN 55-27-582-013
Assessment roll updated October 3, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 TERRACE ST, FLUSHING, MI 48433-2158 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION |
| Feb 03, 2021 | Deed of Trust, Mortgage · Commercial Mortgage ELGA CREDIT UNION |
| Jun 22, 2022 | Quit Claim Deed, Transfer · Commercial Mortgage ELGA CREDIT UNION |
| Feb 22, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 16, 2022 |
| Transfer Doc | 0000046634 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | May 27, 2026 |
| Property Address | TERRACE ST, FLUSHING, MI 48433 |
| Document Number | 0000034545 |
| Instrument Date | May 15, 2026 |
| Instrument | 202634545 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | 266 |
| Address | 105 TERRACE ST, FLUSHING, MI 48433-2158 |
| Document Number | 0000034545, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 202634545 |
| Name | ELGA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | TERRACE ST, FLUSHING, MI 48433 |
| Transaction Type | Mortgage |
| Record Updated | Oct 03, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000007964 |
|---|---|
| Date | Feb 03, 2021 |
| Instrument | 202102030007964 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jun 22, 2022 |
| Property Address | TERRACE ST, FLUSHING, MI 48433 |
| Document Number | 0000046634 |
| Map Reference | LB 1 PG 21 |
| Instrument Date | Jun 16, 2022 |
| Instrument | 202206220046634 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 TERRACE ST, FLUSHING, MI 48433-2158 |
| Name | Verified Name |
|---|---|
| Address | 105 TERRACE ST, FLUSHING, MI 48433-2158 |
| Document Number | 0000046635 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 202206220046635 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Feb 22, 2018 |
| Property Address | 105 TERRACE ST, FLUSHING, MI 48433-2158 |
| Document Number | 0000009166 |
| Instrument Date | Jan 15, 2018 |
| Instrument | 9166 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,711.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 TERRACE ST FLUSHING MI 484332158, FLUSHING, MI 48433-2158 |
Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Flushing City |
| Unified School District | Flushing Community Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $379.00 (-12.27%) | $11,900 (-) | $23,800 (-) |
| 2024 | $432.00 (+16.44%) | ||
| 2023 | $11,900 | $23,800 | |
| 2021 | $371.00 |
105 Terrace St is in FEMA Zone AE, inside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Genesee County (26049C), updated February 19, 2024
| FEMA Flood Zone | Zone AE 1% annual chance, base flood elevation determined |
|---|---|
| Special Flood Hazard Area | Yes flood insurance required for federally backed mortgages |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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