12402 Spruce Ln, Perry, MI 48872 Property Records

Shiawassee County property record for 12402 Spruce Ln, Perry, MI 48872

Property Summary

Property Type	Single Family Home
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,399 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`014-42-092-000`

Property Details

APN / Parcel Number

Primary APN	`014-42-092-000`
Alternative APN	`0144209200000`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	12402 SPRUCE LN
City	PERRY
State	MI
Zip	48872-9196
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST GREEN SUB PERRY TWP LOT 92 165 FT N&S X 145 FT E&W
Legal Subdivision	FOREST GREEN SUB
Legal Lot Number	92,165
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	PERRY
Census Block Group	2
Census Block	2037
Census Tract	31501

Owner

Source: Shiawassee County records, as of July 16, 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 Record
Mailing Address	12402 SPRUCE LN, PERRY, MI 48872-9196
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2017	Deed of Trust, Mortgage CHEMICAL BANK
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 5, 2018	Warranty Deed, Transfer · Conventional with PMI CROSSCOUNTRY MTG
Oct 19, 2018	Deed of Trust, Mortgage STATE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	12402 SPRUCE LN, PERRY, MI 48872-9196
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012350641
Date	Jun 22, 2017
Book Page	1235/0641
Instrument	3298952

Lender

Name	CHEMICAL BANK
Type	Bank
Address	MIDLAND, MI 48640

Agreement

Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	12402 SPRUCE LN, PERRY, MI 48872-9196
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012710417
Date	Jul 31, 2020
Book Page	1271/417
Instrument	3335070

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Dec 5, 2018
Property Address	12402 SPRUCE LN, PERRY, MI 48872-9196
Document Number	0012520345
Book / Page	001252 / 000345
Instrument Date	Nov 27, 2018
Instrument	3315758
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	ATA TITLE AGENCY LIMITED, FLT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,691.25
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	12402 SPRUCE LN PERRY MI 488729196, PERRY, MI 48872-9196

Mortgage

Document Number	12520339
Date	Dec 5, 2018
Book Page	001252/000339
Instrument	3315752

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	12402 SPRUCE LN, PERRY, MI 48872-9196
Document Number	0012510702
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12402 SPRUCE LN PERRY MI 488729196, PERRY, MI 48872-9196

Mortgage

Document Number	0012510702
Date	Nov 13, 2018
Book Page	001251/000702
Instrument	3315095

Lender

Name	STATE BK
Type	Bank
Address	FENTON, MI 48430-0725

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Perry Township
Unified School District	Perry Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$134,900 (+2.9%)	$269,800 (+2.9%)
2025	$3,399.00 (+9.75%) Homeowner's exemption	$131,100 (+14.9%)	$262,200 (+14.9%)
2023	$3,097.00 Homeowner's exemption	$114,100	$228,200

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 April 12, 2026

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 95% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DayStarr Fiber	2,500 / 2,500
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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