115 S Main St, Onsted, MI 49265 Property Records

Lenawee County property record for 115 S Main St, Onsted, MI 49265

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,460 sqft · built 1925
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$89,988 (Oct 2019)
Tax Bill	$4,767 (2025)
Deeds & Mortgages	May 2020 Refinance Jun 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CA8-400-0200-00`

Property Details

APN / Parcel Number

Primary APN	`CA8-400-0200-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,460 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	1,352 sqft
Unfinished Basement	1,352 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	115 S MAIN ST
City	ONSTED
State	MI
Zip	49265-9472
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	LOT 20 GREENLEAF'S ADDITION TO THE VILLAGE OF ONSTED.
Legal Subdivision	GREENLEAF'S ADD
Legal Lot Number	20
Jurisdiction	LENAWEE MI
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1058
Census Tract	60302

Owner

Source: Lenawee County records, as of July 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6070 E HOLLY RD, HOLLY, MI 48442-9673
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GENEVA FINANCIAL LLC
Jun 16, 2022	Quit Claim Deed, Transfer Quitclaim
Feb 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNIVERSITY LENDING
Oct 28, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Prior Sale	Sep 4, 2002
Deed Book / Page	2588 / 112
Prior Transfer Date	Dec 1, 2007
Prior Transfer Doc	2356000862
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	115 S MAIN ST, ONSTED, MI 49265-9472
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025970390
Date	May 5, 2020
Book Page	2597/390

Lender

Name	GENEVA FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LENAWEE MI
Recording Date	Jun 16, 2022
Property Address	115 S MAIN ST, ONSTED, MI 49265-9472
Document Number	0026410028
Book / Page	2641 / 28
Instrument Date	Jun 14, 2022
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6070 E HOLLY RD, HOLLY, MI 48442-9673

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Feb 22, 2022
Property Address	115 S MAIN ST, ONSTED, MI 49265-9472
Document Number	0026340275
Book / Page	2634 / 275
Instrument Date	Feb 15, 2022
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6070 E HOLLY RD, HOLLY, MI 48442-9673

Mortgage

Document Number	0002634276
Date	Feb 22, 2022
Instrument	2634/276

Lender

Name	UNIVERSITY LENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Oct 28, 2019
Property Address	115 S MAIN ST, ONSTED, MI 49265-9472
Document Number	0025880112
Book / Page	002588 / 000112
Instrument Date	Oct 16, 2019
Transaction Type	Transfer
Record Updated	Nov 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$773.89
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6392 HOLLOWTREE CT SALINE MI 481769797, SALINE, MI 48176-9797

Tax Assessment & Valuation

Source: Lenawee County assessment roll, as of July 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Lenawee County
County Subdivision	Cambridge Township
Municipality	Onsted Village
Unified School District	Onsted Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,300 (+6.3%)	$222,600 (+6.3%)
2025	$4,767.00 (-6.27%)	$104,700 (+18.57%)	$209,400 (+18.57%)
2024	$5,086.00 (+51.14%)
2023		$88,300	$176,600
2022	$3,365.00

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 August 14, 2019

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	ONSTED serves 907 people · EPA ID MI0005020
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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