1097 Willard Rd, Birch Run, MI 48415 Property Records

Genesee County property record for 1097 Willard Rd, Birch Run, MI 48415

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,588 sqft · built 1969
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Nov 2025)
Tax Bill	$2,299 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-01-200-007`

Property Details

APN / Parcel Number

Primary APN	`18-01-200-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,588 sqft Living Area
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	400 ft deep x 120 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1097 WILLARD RD
City	BIRCH RUN
State	MI
Zip	48415-8600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	A PARCEL OF LAND BEG 1182.30 FT W OF NE COR OF SEC TH S 427.69 FT TH N 70 DEG 50 MIN 17 SEC W 127.89 FT TH N 386 FT TH E 120
Legal Range	06E
Legal Township	09N
Legal Section	01
Jurisdiction	GENESEE MI
Township / Civil Division	VIENNA
Census Block Group	1
Census Block	1001
Census Tract	10112

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	Individual Name on Record
Mailing Address	8078 SHERIDAN RD, NEW LOTHROP, MI 48460-9502
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2025	Deed of Trust, Mortgage KAY FINANCIAL LLC
Nov 24, 2025	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jul 20, 2018	Deed of Trust, Mortgage · ARM THE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Apr 30, 2025 · Amount on Record
Deed Document Number	202524004
Prior Transfer Date	Nov 5, 2003
Prior Transfer Doc	0000151009
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1097 WILLARD RD, BIRCH RUN, MI 48415-8600
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029730
Date	Apr 28, 2025
Instrument	202504280029730

Lender

Name	KAY FINANCIAL LLC
Type	Non-Lending Institution
Address	MOUNT MORRIS, MI 48458

Agreement

Amount	Amount Recorded
Term	13 Months
Due	May 1, 2026

Interest

Rate	14%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 24, 2025
Property Address	1097 WILLARD RD, BIRCH RUN, MI 48415-8600
Document Number	0000024004
Instrument Date	Nov 19, 2025
Instrument	202511240024004
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11500 N SAGINAW ST, MOUNT MORRIS, MI 48458-2013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8078 SHERLDAN ROAD, NEW LOTHROP, MI 48460-9502

Mortgage

Document Number	0000024827
Date	Nov 24, 2025
Instrument	202511260024827

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1097 WILLARD RD, BIRCH RUN, MI 48415-8600
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201807200077736
Date	Jul 20, 2018
Instrument	201807200077736

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	ARM
Amount	Amount Recorded
Term	217 Months
Due	Aug 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Vienna Charter Township
Unified School District	Clio Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,600 (+6%)	$173,200 (+6%)
2025	$2,299.00 (+3.51%)	$81,700 (+19.62%)	$163,400 (+19.62%)
2024	$2,221.00 (+24.71%)
2023		$68,300	$136,600
2019	$1,781.00

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

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile.

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