120 E Elm St, Westphalia, MI 48894 Property Records

Clinton County property record for 120 E Elm St, Westphalia, MI 48894

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,148 sqft · built 1950
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$209,500 (Aug 2024)
Tax Bill	$1,062 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-000-007-009-01`

Property Details

APN / Parcel Number

Primary APN	`161-000-007-009-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	97 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Deck Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 E ELM ST
City	WESTPHALIA
State	MI
Zip	48894-9817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	COM AT A PT 856.5 FT. N & 390 FT E OF SW COR OF SEC 4 T6N R4W, TH S 147 FT, E 72 FT, N 147 FT W 72 FT TO BEG, BEING PART OF
Legal Range	04W
Legal Township	06N
Legal Section	04
Legal Subdivision	WESTPHALIA
Legal Block	7
Legal Lot Number	9
Jurisdiction	CLINTON MI
Township / Civil Division	WESTPHALIA
Census Block Group	1
Census Block	1017
Census Tract	10400

Owner

Source: Clinton County records, as of June 2, 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	120 E ELM ST, WESTPHALIA, MI 48894-9817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UBANK
Oct 16, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2024 · Amount on Record
Deed Sale	Aug 23, 2024 · Amount on Record
Prior Sale	Oct 16, 2023 · Amount on Record
Deed Document Number	20245347210
Prior Transfer Date	Nov 1, 2013
Prior Transfer Doc	5208337
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	120 E ELM ST, WESTPHALIA, MI 48894-9817
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005305146
Date	Feb 11, 2021
Instrument	5305146

Lender

Name	UBANK
Type	Bank
Address	LAKE ODESSA, MI 48849

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Oct 16, 2023
Property Address	120 E ELM ST, WESTPHALIA, MI 48894-9817
Document Number	0005339356
Instrument Date	Oct 11, 2023
Instrument	5339356
Transaction Type	Transfer
Record Updated	Nov 16, 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	120 E ELM ST, WESTPHALIA, MI 48894-9817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 GARLAND ST, TRAVERSE CITY, MI 49684-2286

Mortgage

Document Number	0005339357
Date	Oct 16, 2023
Instrument	5339357

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Jun 11, 2018
Property Address	120 E ELM ST, WESTPHALIA, MI 48894-9817
Document Number	5267875
Instrument Date	Jun 8, 2018
Instrument	5267875
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$971.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4471 S GRANGE RD, 4471, WESTPHALIA, MI 48894-8208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12777 W PRATT RD, WESTPHALIA, MI 48894-9530

Mortgage

Document Number	5267876
Date	Jun 11, 2018
Instrument	5267876

Lender

Name	UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Westphalia Township
Municipality	Westphalia Village
Unified School District	Pewamo-Westphalia Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,500 (+3.47%) Land $15,600 Building $76,900	$185,000 (+3.47%) Land $31,200 Building $153,800
2025	$1,062.00 (-51.9%) Homeowner's exemption	$89,400 (+19.68%) Land $14,500 Building $74,900	$178,800 (+19.68%) Land $29,000 Building $149,800
2024	$2,208.00 (+57.04%)
2023		$74,700 (+8.26%)	$149,400 (+8.26%)
2022	$1,406.00 (+14.22%) Homeowner's exemption	$69,000 Land $14,800 Building $54,200	$138,000 Land $29,600 Building $108,400
2020	$1,231.00

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

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 96% of the US · lower than 91% 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 WESTPHALIA serves 925 people · EPA ID MI0007050
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Westphalia Broadband Fiber	1,000 / 1,000

May also be available: CMS Internet, Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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