109 E Prospect St, Saint Louis, MI 48880 Property Records

Gratiot County property record for 109 E Prospect St, Saint Louis, MI 48880

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$146,900 (Jan 2023)
Tax Bill	$2,562 (2023)
Deeds & Mortgages	Feb 2023 Sale Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-750-020-00`

Property Details

APN / Parcel Number

Primary APN	`53-750-020-00`

Exterior

Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Street Address	109 E PROSPECT ST
City	SAINT LOUIS
State	MI
Zip	48880-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E. W. SMITH'S ADDITION E 1/2 OF LOT 7 BLOCK 2. PROPERTY ADDRESS 109 EAST PROSPECT STREET
Legal Subdivision	E W SMITH'S ADD
Legal Lot Number	7
Jurisdiction	GRATIOT MI
Township / Civil Division	ST. LOUIS
Census Block Group	2
Census Block	2001
Census Tract	300

Owner

Source: Gratiot County records, as of June 4, 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 Record
Mailing Address	109 E PROSPECT ST, SAINT LOUIS, MI 48880-1812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Warranty Deed, Transfer ALMA ABSTRACT AND TITLE, ALMA ABSTRACT & TITLE
Dec 22, 2021	Warranty Deed, Transfer ALMA ABSTRACT AND TITLE, ALMA ABSTRACT & TITLE
Nov 30, 2018	Deed, Transfer ATA NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Dec 22, 2021 · Amount on Record
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRATIOT MI
Recording Date	Feb 10, 2023
Property Address	109 E PROSPECT ST, SAINT LOUIS, MI 48880-1812
Document Number	01115/00889
Book / Page	01115 / 00889
Instrument Date	Jan 23, 2023
Instrument	350344
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	ALMA ABSTRACT AND TITLE, ALMA ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$1,264.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 270, SAINT LOUIS, MI 48880-0270

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E PROSPECT ST, SAINT LOUIS, MI 48880-1812
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRATIOT MI
Recording Date	Dec 22, 2021
Property Address	109 E PROSPECT ST, SAINT LOUIS, MI 48880-1812
Document Number	01095/00866
Book / Page	01095 / 00866
Instrument Date	Oct 29, 2021
Instrument	342258
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	ALMA ABSTRACT AND TITLE, ALMA ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$2,623.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	535 EDEN ST, 535, SAINT LOUIS, MI 48880-1632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5596 GOLFRIDGE RD, ALMA, MI 48801-9636
Investor	Possibly a Property Investor

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	GRATIOT MI
Recording Date	Nov 30, 2018
Property Address	109 E PROSPECT ST, SAINT LOUIS, MI 48880-1812
Document Number	01033/00411
Book / Page	01033 / 00411
Instrument Date	Nov 28, 2018
Instrument	318032
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	ATA NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 EDEN ST, SAINT LOUIS, MI 48880-1632

Tax Assessment & Valuation

Source: Gratiot County assessment roll, as of June 4, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Gratiot County
Municipality	St. Louis City
Unified School District	St. Louis Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,700	$163,400
2023	$2,562.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2011

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CITY OF ST. LOUIS serves 6,976 people · EPA ID MI0006320
Water Source	Purchased surface water from GRATIOT AREA WATER AUTHORITY
Last State Inspection	Jan 2026
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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
ISP Management Fixed Wireless	150 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CMS Internet, Point Broadband, Verizon.

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