Genesee County property record for 109 W State St, Montrose, MI 48457
| Property Type | Commercial |
|---|---|
| Details | 3,764 sqft · built 1900 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | Company Name on File |
| Last Sale | $130,000 (Jun 2005) |
| Tax Bill | $4,121 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-20-528-031 |
| Primary APN | 60-20-528-031 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,764 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 144 ft deep x 38 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 109 W STATE ST |
|---|---|
| City | MONTROSE |
| State | MI |
| Zip | 48457-7716 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | E 28 FT 2 IN OF LOT 3 BLK B & LOT 4 BLK B EXCEPT A PARCEL OF BEG AT NE COR OF LOT 4 TH S 03 DEG 23 MIN 40 SEC E 120 FT TH W |
| Legal Subdivision | CITY OF MONTROSE |
| Legal Block | B |
| Legal Lot Number | 3-4 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | MONTROSE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 12602 |
109 W State St, a commercial property, is owned by a company that bought it in June 2005.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 9487 MCKINLEY RD, MONTROSE, MI 48457-9186 |
| Owner Type | Company |
| Vesting | Company |
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 | Jun 28, 2005 · Amount on File |
| Deed Sale | Jun 28, 2005 · Amount on File |
| Prior Sale | Jan 20, 1999 · Amount on File |
| Deed Document Number | 200565226 |
| Prior Transfer Date | Jan 8, 1999 |
| Prior Transfer Doc | 0000005044 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 109 W STATE ST, MONTROSE, MI 48457-7716 |
| Document Number | 0000083458 |
| Instrument Date | Aug 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 9487 MCKINLEY RD MONTROSE MI 484579186, MONTROSE, MI 48457-9186 |
| Document Number | 0000083458 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 83458 |
| Name | ELGA CU |
|---|---|
| Type | Credit Union |
| Address | BURTON, MI 48519 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 109 W State St was $4,121, up 2.8% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Montrose City |
| Unified School District | Montrose Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $66,800 (-4.71%) Land $4,900 Building $61,900 | $133,600 (-4.71%) Land $9,800 Building $123,800 | |
| 2025 | $4,121.00 (+2.85%) | $70,100 | $140,200 |
| 2024 | $4,007.00 | ||
| 2023 | $62,200 | $124,400 | |
| 2019 | $3,447.00 |
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.
FEMA maps place 109 W State St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024
| 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 109 W State 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 | Indirect within ember reach |
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 | CITY OF MONTROSE serves 1,657 people · EPA ID MI0004480 |
|---|---|
| Water Source | Purchased surface water from GENESEE COUNTY WATER SYSTEM |
| Last State Inspection | Aug 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 295 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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