Genesee County property record for 12398 Neff Rd, Clio, MI 48420 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 1,260 sqft Living Area |
| Lot Size | 33,018 sqft (0.758 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $155,000 (2017) |
| Tax Bill | $1,288.00 (2025) |
Source: Genesee County records · APN 18-13-100-041
Assessment roll updated October 3, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12398 NEFF RD, CLIO, MI 48420-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 29, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Sep 06, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jan 14, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jan 23, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMERICAN SOUTHWEST MORTGAGE FUNDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2017 · Amount on Record |
| Deed Sale | Jan 23, 2017 · Amount on Record |
| Prior Sale | Apr 07, 2014 · Amount on Record |
| Deed Doc Number | 20174002 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12398 NEFF RD, CLIO, MI 48420-1809 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202001290005603 |
|---|---|
| Date | Jan 29, 2020 |
| Instrument | 202001290005603 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12398 NEFF RD, CLIO, MI 48420-1809 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201709060058222 |
|---|---|
| Date | Sep 06, 2017 |
| Instrument | 201709060058222 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jan 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12398 NEFF RD, CLIO, MI 48420-1809 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 202101140003453 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 202101140003453 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Feb 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jan 23, 2017 |
| Property Address | 12398 NEFF RD, CLIO, MI 48420-1809 |
| Document Number | 201701230004002 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 201701230004002 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2021 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,233.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12398 NEFF RD, 12398, CLIO, MI 48420-1809 |
| Name | Verified Name |
|---|---|
| Address | 11454 BERKSHIRE DR, CLIO, MI 48420-1783 |
| Investor | Possibly a Property Investor |
| Document Number | 201701230004003 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 201701230004003 |
| Name | AMERICAN SOUTHWEST MORTGAGE FUNDING |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2047 |
Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Vienna Charter Township |
| Unified School District | Clio Area School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,288.00 (-55.85%) Homeowner's exemption | $106,700 (+14.73%) | $213,400 (+14.73%) |
| 2024 | $2,917.00 (+28.16%) | ||
| 2023 | $93,000 | $186,000 | |
| 2019 | $2,276.00 |
Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 18-13-100-041 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,260 sqft Living Area |
| 1st Floor | 1,260 sqft 1st Floor |
| Basement Area | 1,260 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 33,018 sqft (0.758 acres) |
| Depth X Width | 300 ft x 110 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 528 sqft Garage |
| Deck Area | Deck Area |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 12398 NEFF RD |
|---|---|
| City | CLIO |
| State | MI |
| Zip | 48420-1809 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | A PARCEL OF LAND BEG S 0 DEG 50 MIN 37 SEC E 1097.84 FT FROM NW COR OF SEC TH N 89 DEG 27 MIN 52 SEC E 300 FT TH S 0 DEG 50 |
| Legal Range | 06E |
| Legal Township | 09N |
| Legal Section | 13 |
| Jurisdiction | GENESEE MI |
| Minor Civil Division | VIENNA |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 10112 |
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