10644 Stephenson Rd, Onsted, MI 49265 Property Records

Lenawee County property record for 10644 Stephenson Rd, Onsted, MI 49265

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 880 sqft · built 1932
Lot Size	1.4 acres (61,115 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Jun 2021)
Tax Bill	$854 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CA0-121-3765-00`

Property Details

APN / Parcel Number

Primary APN	`CA0-121-3765-00`
Alternative APN	`CA0121377500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Lot Area	61,115 sqft (1.4 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10644 STEPHENSON RD
City	ONSTED
State	MI
Zip	49265-9703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LD DES AS COMM ON THE S LI OF THE SW1/4 OF SEC 21 T5S R2E AT A PT LOC 1737.45 FT S88^15'48"E FROM THE SW COR OF SD SEC & RUNN
Legal Range	02E
Legal Township	05S
Legal Section	21
Jurisdiction	LENAWEE MI
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3039
Census Tract	60302

Owner

Source: Lenawee County records, as of July 13, 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	10644 STEPHENSON RD, ONSTED, MI 49265-9703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 25, 2019	Trustee's Deed, Construction Loan · Line of Credit COUNTY NAT'L BK
Nov 25, 2019	Trustee's Deed, Construction Loan · Line of Credit COUNTY NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Prior Sale	Jul 8, 2013 · Amount on Record
Deed Book / Page	2621 / 137
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Jun 21, 2021
Property Address	10644 STEPHENSON RD, ONSTED, MI 49265-9703
Document Number	0026210137
Book / Page	2621 / 137
Instrument Date	Jun 14, 2021
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E MAIN ST, HUDSON, MI 49247-1410

Mortgage

Document Number	0002621138
Date	Jun 21, 2021
Instrument	2621/138

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LENAWEE MI
Recording Date	Nov 25, 2019
Property Address	10644 STEPHENSON RD, ONSTED, MI 49265-9703
Document Number	0025890544
Book / Page	002589 / 000544
Instrument Date	Nov 21, 2019
Transaction Type	Construction Loan
Record Updated	Dec 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10720 STEPHENSON RD ONSTED MI 492659573, ONSTED, MI 49265-9573

Mortgage

Document Number	25890544
Date	Nov 25, 2019
Book Page	002589/000544

Lender

Name	COUNTY NAT'L BK
Type	Bank
Address	HILLSDALE, MI 49242

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 24, 2020

Interest

Rate Type	Adjustable Rate

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LENAWEE MI
Recording Date	Nov 25, 2019
Property Address	10644 STEPHENSON RD, ONSTED, MI 49265-9703
Document Number	0025890543
Book / Page	002589 / 000543
Instrument Date	Nov 21, 2019
Transaction Type	Construction Loan
Record Updated	Dec 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10720 STEPHENSON RD ONSTED MI 492659573, ONSTED, MI 49265-9573

Mortgage

Document Number	25890543
Date	Nov 25, 2019
Book Page	002589/000543

Lender

Name	COUNTY NAT'L BK
Type	Bank
Address	HILLSDALE, MI 49242

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 24, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lenawee County assessment roll, as of July 10, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lenawee County
County Subdivision	Cambridge Township
Unified School District	Onsted Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,600 (+3.55%)	$175,200 (+3.55%)
2025	$854.00 (-57.66%) Homeowner's exemption	$84,600 (+23.68%)	$169,200 (+23.68%)
2024	$2,017.00 (+3.17%)
2022	$1,955.00	$68,400	$136,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 14, 2019 · 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	1 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Xfinity.

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