Shiawassee County property record for 108 W Sprague St, Bancroft, MI 48414
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,330 sqft · built 1960 |
| Lot Size | 0.349 acres (15,203 sqft) |
| Owner | Individual Name on File |
| Last Sale | $13,000 (Sep 2011) |
| Tax Bill | $732 (2025) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 011-69-001-003 |
| Primary APN | 011-69-001-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 1,330 sqft Living Area |
| 1st Floor Area | 940 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 15,203 sqft (0.349 acres) |
| Garage Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 108 W SPRAGUE ST |
|---|---|
| City | BANCROFT |
| State | MI |
| Zip | 48414-9481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUB OF OUTLOTS 1 2 3 OF ORIGINAL PLAT BANCROFT VILL LOTS 1 2 3 EX S 30 FT OF LOT 3 OUTLOT 3 ALSO ALL OF VACATED ALLEY ADJ THE |
| Legal Subdivision | PHILLIPS ADD |
| Legal Lot Number | 1-3 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | SHIAWASSEE |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 31302 |
108 W Sprague St is owned and occupied by an individual who bought it in September 2011.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 W SPRAGUE ST, BANCROFT, MI 48414-9481 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2011 · Amount on File |
| Deed Sale | Sep 12, 2011 · Amount on File |
| Prior Sale | Oct 6, 2010 · Amount on File |
| Deed Document Number | 20113226516 |
| Deed Book / Page | 1163 / 588 |
| Prior Transfer Date | Aug 30, 2011 |
| Prior Transfer Doc | 0011630587 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 108 W SPRAGUE ST, BANCROFT, MI 48414-9481 |
| Document Number | 0012480679 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 108 W SPRAGUE ST BANCROFT MI 484149481, BANCROFT, MI 48414-9481 |
| Document Number | 0012480679 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 001248/000679 |
| Instrument | 3312054 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326-2947 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 5, 2028 |
The 2025 property tax bill for 108 W Sprague St was $732 with a homeowner's exemption, up 2.5% from the year before.
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Bancroft Village |
| County | Shiawassee County |
| County Subdivision | Shiawassee Township |
| Unified School District | Durand Area Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $38,200 (-) | $76,400 (-) | |
| 2025 | $732.00 (+2.52%) Homeowner's exemption | $38,200 | $76,400 |
| 2024 | $714.00 (+18.21%) | ||
| 2023 | $604.00 Homeowner's exemption | $35,800 | $71,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 W Sprague St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| 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 risk around 108 W Sprague 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 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF BANCROFT serves 616 people · EPA ID MI0000370 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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