1189 W Frances Rd, Mount Morris, MI 48458 Property Records

Genesee County property record for 1189 W Frances Rd, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Lot Size	4.81 acres (209,524 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jul 2015)
Tax Bill	$159 (2025)
Deeds & Mortgages	May 2024 Line of Credit May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-01-200-004`

Property Details

APN / Parcel Number

Primary APN	`14-01-200-004`

Exterior

Lot Area	209,524 sqft (4.81 acres)

Location & Zoning

Street Address	1189 W FRANCES RD
City	MOUNT MORRIS
State	MI
Zip	48458-1042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND BEG 1798.20 FT W OF NE COR OF SEC TH S 210.08 FT TH W 171 FT TH N 210.08 FT TH E 171 FT TO PL OF BEG AND A
Legal Range	06E
Legal Township	08N
Legal Section	01
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	1
Census Block	1000
Census Tract	10504

Owner

Source: Genesee County records, as of October 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1189 W FRANCES RD, MOUNT MORRIS, MI 48458-1042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION
May 2, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2015 · Amount on Record
Deed Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	201560025
Prior Transfer Date	Sep 30, 2010
Prior Transfer Doc	0000070778
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1189 W FRANCES RD, MOUNT MORRIS, MI 48458-1042
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1189 W FRANCES RD, MOUNT MORRIS, MI 48458-1042

Mortgage

Document Number	0000029546
Date	May 3, 2024
Instrument	202405030029546

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 27, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1189 W FRANCES RD, MOUNT MORRIS, MI 48458-1042
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1189 W FRANCES RD, MOUNT MORRIS, MI 48458-1042

Mortgage

Document Number	0000030465
Date	May 2, 2023
Instrument	202305020030465

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1189 W FRANCES RD, MOUNT MORRIS, MI 48458-1042
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201810100092055
Date	Oct 10, 2018
Instrument	201810100092055

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 14, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Mount Morris Township
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,400 (+6.86%)	$320,800 (+6.86%)
2025	$159.00 (+7.43%) Homeowner's exemption	$150,100	$300,200
2024	$148.00 (+32.14%)
2019	$112.00

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 February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

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	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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Spectrum.

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