109 Cedar St, Decatur, MI 49045 Property Records

Van Buren County property record for 109 Cedar St, Decatur, MI 49045

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 952 sqft · built 1950
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Sep 2025)
Tax Bill	$1,745 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`80-43-040-093-00`

Property Details

APN / Parcel Number

Primary APN	`80-43-040-093-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	952 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 CEDAR ST
City	DECATUR
State	MI
Zip	49045-8856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	535-A 19-4-14 920-912 1366-966 1441-850 1454-790 1455-515 1471-863 1476-705 E 1/2 OF LOT 15. ALSO W 1/2 OF LOT 16. BLOCK 7
Legal Subdivision	THE VILLAGE OF DECATURE
Legal Block	7
Legal Lot Number	15-16
Jurisdiction	VAN BUREN MI
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1031
Census Tract	11601

Owner

109 Cedar St is owned and occupied by two individuals who bought it in September 2025.

Source: Van Buren County records, as of August 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	185 S SNYDER, MARCELLUS, MI 49067-9559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 11, 2018	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK
Jan 4, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on File
Deed Sale	Sep 8, 2025 · Amount on File
Prior Sale	Jan 11, 2018 · Amount on File
Deed Document Number	20253464608
Deed Book / Page	1783 / 267
Prior Transfer Date	Oct 11, 2002
Prior Transfer Doc	1366000966
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Sep 8, 2025
Property Address	109 CEDAR ST, DECATUR, MI 49045-8856
Document Number	001783/267
Book / Page	1783 / 267
Map Reference	LB 2 PG 31
Instrument Date	Aug 27, 2025
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	630 W 11TH ST, DUBUQUE, IA 52001-6207

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 CEDAR ST, DECATUR, MI 49045-8856

Mortgage

Document Number	0001783268
Date	Sep 8, 2025
Instrument	1783/268

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Jan 11, 2018
Property Address	109 CEDAR ST, DECATUR, MI 49045-8856
Document Number	1662/0507
Book / Page	1662 / 0507
Map Reference	LB2 PG31
Instrument Date	Jan 8, 2018
Instrument	1662-0507
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 CEDAR ST, 109, DECATUR, MI 49045-8856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 HEYWOOD ST, HARTFORD, MI 49057-1255

Mortgage

Document Number	16620508
Date	Jan 11, 2018
Instrument	1662-0508

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Jan 4, 2017
Property Address	109 CEDAR ST, DECATUR, MI 49045-8856
Document Number	1646/0152
Book / Page	1646 / 0152
Map Reference	LB2 PG31
Instrument Date	Dec 26, 2016
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3211 OXFORD DR, 3211, DURHAM, NC 27707-3844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CEDAR ST, DECATUR, MI 49045-8856

Tax Assessment & Valuation

The 2025 property tax bill for 109 Cedar St was $1,745 with a homeowner's exemption, up 2.9% from the year before.

Source: Van Buren County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Van Buren County
County Subdivision	Decatur Township
Municipality	Decatur Village
Unified School District	Decatur Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$74,200 (+0.54%)	$148,400 (+0.54%)
2025	$1,745.00 (+2.95%) Homeowner's exemption	$73,800	$147,600
2024	$1,695.00
2023		$68,400	$136,800
2020	$1,388.00

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

FEMA maps place 109 Cedar St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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

Wildfire risk around 109 Cedar St 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	None beyond 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	DECATUR serves 1,838 people · EPA ID MI0001750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 283 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bloomingdale Communications.

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