1195 S Elms Rd, Flint, MI 48532 Property Records

Genesee County property record for 1195 S Elms Rd, Flint, MI 48532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1960
Lot Size	0.478 acres (20,822 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2023)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-18-501-007`

Property Details

APN / Parcel Number

Primary APN	`07-18-501-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	1,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	20,822 sqft (0.478 acres)
Lot Dimensions	200 ft deep x 104 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	1195 S ELMS RD
City	FLINT
State	MI
Zip	48532-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 CHERRY TREE ACRES
Legal Subdivision	CHERRY TREE ACRES
Legal Lot Number	7
Jurisdiction	GENESEE MI
Township / Civil Division	FLINT
Census Block Group	1
Census Block	1012
Census Tract	10813

Owner

1195 S Elms Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1195 S ELMS RD, FLINT, MI 48532-3108
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Oct 28, 2020	Warranty Deed, Transfer · Conventional with PMI CASON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Prior Sale	Oct 29, 2020 · Amount on File
Deed Document Number	202342391
Prior Transfer Date	Feb 8, 2016
Prior Transfer Doc	0000010080
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 25, 2023
Property Address	1195 S ELMS RD, FLINT, MI 48532-3108
Document Number	0000042391
Map Reference	MB 29 PG 29
Instrument Date	Jul 18, 2023
Instrument	202307250042391
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1195 S ELMS RD, FLINT, MI 48532-3108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5048 WALSH DR, BRIGHTON, MI 48114-8681

Mortgage

Document Number	0000042392
Date	Jul 25, 2023
Instrument	202307250042392

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 28, 2020
Property Address	1195 S ELMS RD, FLINT, MI 48532-3108
Document Number	0000073885
Instrument Date	Oct 23, 2020
Instrument	73885
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24303 CHARTER OAKS DR DAVISON MI 484233334, DAVISON, MI 48423-3334

Mortgage

Document Number	73886
Date	Oct 28, 2020
Instrument	73886

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	JUNO BEACH, FL 33408

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1195 S Elms Rd was $3,016 with a homeowner's exemption, down 20.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Flint Charter Township
Unified School District	Carman-Ainsworth Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$85,200 (+11.81%) Land $11,700 Building $73,500	$170,400 (+11.81%) Land $23,400 Building $147,000
2025	$3,016.00 (-20.53%) Homeowner's exemption	$76,200	$152,400
2024	$3,795.00
2023		$66,100	$132,200
2021	$2,203.00

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

FEMA maps place 1195 S Elms Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1996.

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	4 in force
Nearby Flood Claims	7 (1996–2012)
Most Recent Claim	May 2012 · river or lake flooding

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

Wildfire risk around 1195 S Elms Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 89% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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