Calhoun County property record for 115 E Elm St, Albion, MI 49224
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,198 sqft · built 1915 |
| Lot Size | 0.162 acres (7,057 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Jun 2024) |
| Tax Bill | $3,835 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-001-229-00 |
| Primary APN | 51-001-229-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,198 sqft Living Area |
| 1st Floor Area | 1,298 sqft |
| Basement Area | 1,298 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 7,057 sqft (0.162 acres) |
| Lot Dimensions | 99 ft deep x 61.4 ft wide |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 115 E ELM ST |
|---|---|
| City | ALBION |
| State | MI |
| Zip | 49224-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | ALBION CITY, ORIGINAL PLAT BLK 74 LOT 9. BLK 74. & E 12 FT OF LOT 10. (115 E ELM) |
| Legal Subdivision | ALBION CITY ORIGINAL |
| Legal Block | 74 |
| Legal Lot Number | 9-10 |
| Jurisdiction | CALHOUN MI |
| Township / Civil Division | ALBION |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 3400 |
Source: Calhoun County records · APN 51-001-229-00
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 115 E ELM ST, ALBION, MI 49224-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD SAVINGS BANK |
| Jun 05, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on Record |
| Deed Sale | Jun 25, 2024 · Amount on Record |
| Prior Sale | Jun 05, 2019 · Amount on Record |
| Deed Book / Page | 4833 / 933 |
| Prior Transfer Date | May 12, 2014 |
| Prior Transfer Doc | 03896/0266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALHOUN MI |
| Property Address | 115 E ELM ST, ALBION, MI 49224-2203 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2025 |
| Name | Verified Name |
|---|---|
| Address | 115 E ELM ST, ALBION, MI 49224-2203 |
| Document Number | 00004957/1 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 4957/1 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALHOUN MI |
| Property Address | 115 E ELM ST, ALBION, MI 49224-2203 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004432/648 |
|---|---|
| Date | Jul 06, 2020 |
| Book Page | 4432/648 |
| Name | HOMESTEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ALBION, MI 49224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALHOUN MI |
| Recording Date | Jun 05, 2019 |
| Property Address | 115 E ELM ST, ALBION, MI 49224-2203 |
| Document Number | 04325/0348 |
| Book / Page | 4325 / 0348 |
| Map Reference | LB 2 PG 40 |
| Instrument Date | May 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 115 E ELM ST, 115, ALBION, MI 49224-2203 |
| Name | Verified Name |
|---|---|
| Address | 213 E OAK ST, ALBION, MI 49224-2214 |
| Document Number | 0004325350 |
|---|---|
| Date | Jun 05, 2019 |
| Instrument | 4325/350 |
| Name | HOMESTEAD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
Source: Calhoun County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| Municipality | Albion City |
| County | Calhoun County |
| Unified School District | Marshall Public Schools (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $87,700 (+12.15%) | ||
| 2025 | $3,835.00 (+45.6%) Homeowner's exemption | $78,200 (+37.68%) | $175,400 (+12.15%) |
| 2024 | $2,634.00 (+18.97%) | $156,400 (+37.68%) | |
| 2023 | $56,800 | $113,600 | |
| 2022 | $2,214.00 |
Source: FEMA National Flood Hazard Layer as of April 4, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1982–1989) |
| Most Recent Claim | Jun 1989 · rainfall accumulation |
| 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 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Superior Street Commercial Historic District listed 1997 · 77 contributing resources · NRIS 97000626 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
May also be available: Verizon.
Based on FCC filings for 275 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ALBION serves 9,144 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Copper | 1.35 mg/L (2016–2018) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2026 No certified operator Jan 2024 |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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