109 Elm St, Flushing, MI 48433 Property Records

Genesee County property record for 109 Elm St, Flushing, MI 48433

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,160 sqft · built 1890
Lot Size	0.212 acres (9,235 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,000 (Feb 2017)
Tax Bill	$4,674 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-27-580-164`

Property Details

APN / Parcel Number

Primary APN	`55-27-580-164`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,176 sqft Living Area
1st Floor Area	1,218 sqft
Basement Area	1,254 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	132 ft deep x 70 ft wide
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal

Location & Zoning

Street Address	109 ELM ST
City	FLUSHING
State	MI
Zip	48433-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES R-1 (L
Legal Description	W 1/4 OF LOT 8 BLK 23 AND W 1/4 OF LOT 9 BLK 23 AND E 21 FT OF LOT 10 BLK 23 AND E 21 FT OF LOT 11 BLK 23 THE ENLARGED PLAT
Legal Subdivision	THE ENLARGED PLAT
Legal Block	23
Legal Lot Number	8-11
Jurisdiction	GENESEE MI
Township / Civil Division	FLUSHING
Census Block Group	5
Census Block	5002
Census Tract	10603

Owner

Source: Genesee County records, as of October 2, 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 ELM ST, FLUSHING, MI 48433-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 3, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2017 · Amount on Record
Deed Sale	Feb 3, 2017 · Amount on Record
Deed Document Number	20176487
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	109 ELM ST, FLUSHING, MI 48433-1607
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202105100047576
Date	May 10, 2021
Instrument	202105100047576

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Feb 3, 2017
Property Address	109 ELM ST, FLUSHING, MI 48433-1607
Document Number	0000006487
Instrument Date	Dec 16, 2016
Instrument	6487
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	TITLE SOURCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 ELM ST FLUSHING MI 484331607, FLUSHING, MI 48433-1607

Mortgage

Document Number	6488
Date	Feb 3, 2017
Instrument	6488

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Flushing City
Unified School District	Flushing Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,200 (-0.39%)	$254,400 (-0.39%)
2025	$4,674.00 (+2.77%) Homeowner's exemption	$127,700 (+19.12%)	$255,400 (+19.12%)
2024	$4,548.00 (+16.47%)
2023		$107,200	$214,400
2021	$3,905.00

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 February 19, 2024 · 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	2 in force
Nearby Flood Claims	1 (1985)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1985 · Severe Storms And Flooding

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	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 FLUSHING serves 8,311 people · EPA ID MI0002340
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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