113 E Oak St, Elsie, MI 48831 Property Records

Clinton County property record for 113 E Oak St, Elsie, MI 48831

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,403 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$152,500 (May 2023)
Tax Bill	$558 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`061-200-006-013-00`

Property Details

APN / Parcel Number

Primary APN	`061-200-006-013-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,403 sqft Living Area
1st Floor Area	944 sqft
Basement Area	612 sqft
Unfinished Basement	612 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	158 ft deep x 66 ft wide
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	113 E OAK ST
City	ELSIE
State	MI
Zip	48831-9644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 13, BLOCK 6, VANDEUSENS ADD. TO VILLAGE OF ELSIE
Legal Subdivision	VANDEUSENS ADD
Legal Block	6
Legal Lot Number	13
Jurisdiction	CLINTON MI
Township / Civil Division	DUPLAIN
Census Block Group	1
Census Block	1027
Census Tract	10702

Owner

Source: Clinton County records, as of October 13, 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	113 E OAK ST, ELSIE, MI 48831-9644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 4, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2023 · Amount on Record
Deed Sale	May 4, 2023 · Amount on Record
Deed Document Number	20235335027
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Recording Date	Sep 22, 2026
Property Address	113 E OAK ST, ELSIE, MI 48831-9644
Document Number	0005368845
Instrument Date	Sep 10, 2026
Instrument	20265368845
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 E OAK ST, ELSIE, MI 48831-9644

Mortgage

Document Number	0005368845,
Date	Sep 22, 2026
Instrument	20265368845

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	May 4, 2023
Property Address	113 E OAK ST, ELSIE, MI 48831-9644
Document Number	0005335027
Map Reference	LB 1 PG 1
Instrument Date	May 1, 2023
Instrument	5335027
Transaction Type	Transfer
Record Updated	May 31, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 E OAK ST, ELSIE, MI 48831-9644

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4469 E MILLBROOK RD, MOUNT PLEASANT, MI 48858-9108

Mortgage

Document Number	0005335028
Date	May 4, 2023
Instrument	5335028

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Clinton County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Duplain Township
Municipality	Elsie Village
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,600 (-1.65%) Land $3,200 Building $44,400	$95,200 (-1.65%) Land $6,400 Building $88,800
2025	$558.00 (-60.95%) Homeowner's exemption	$48,400 (+27.37%) Land $3,200 Building $45,200	$96,800 (+27.37%) Land $6,400 Building $90,400
2024	$1,429.00 (+49.32%)
2023	$957.00 Homeowner's exemption	$38,000	$76,000
2022	$957.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 3, 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	Low lower than 99.1% of the US · lower than 98.4% of Michigan
Wildfire Likelihood	Under 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	VILLAGE OF ELSIE serves 930 people · EPA ID MI0002120
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2021
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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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