12445 Joel Dr, Clio, MI 48420 Property Records

Genesee County property record for 12445 Joel Dr, Clio, MI 48420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 1971
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Dec 2021)
Tax Bill	$3,229 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-14-527-011`

Property Details

APN / Parcel Number

Primary APN	`18-14-527-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,482 sqft Living Area
1st Floor Area	1,012 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	305 ft deep x 100 ft wide
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12445 JOEL DR
City	CLIO
State	MI
Zip	48420-1839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 42 COLLINS SUB NO 1
Legal Subdivision	COLLINS SUB
Legal Lot Number	42
Jurisdiction	GENESEE MI
Township / Civil Division	VIENNA
Census Block Group	1
Census Block	1005
Census Tract	10112

Owner

Source: Genesee County records, as of October 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	12445 JOEL DR, CLIO, MI 48420-1839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 19, 2020	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU
Nov 19, 2020	Warranty Deed, Transfer MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2021 · Amount on Record
Deed Sale	Dec 22, 2021 · Amount on Record
Prior Sale	Nov 19, 2020 · Amount on Record
Deed Document Number	202195784
Prior Transfer Date	Nov 3, 2020
Prior Transfer Doc	0000078698
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Dec 22, 2021
Property Address	12445 JOEL DR, CLIO, MI 48420-1839
Document Number	0000095784
Map Reference	LB 30 PG 33
Instrument Date	Nov 29, 2021
Instrument	202112220095784
Transaction Type	Transfer
Record Updated	Jan 20, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,252.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 S SAGINAW ST APT 401, 460, FLINT, MI 48502-1839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12445 JOEL DR, CLIO, MI 48420-1839

Mortgage

Document Number	0000000248
Date	Jan 3, 2022
Instrument	202201030000248

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 19, 2020
Property Address	12445 JOEL DR, CLIO, MI 48420-1839
Document Number	202011190078699
Map Reference	LB 30 PG 33
Instrument Date	Nov 6, 2020
Instrument	202011190078699
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,376.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12445 JOEL DR, 12445, CLIO, MI 48420-1839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 S SAGINAW ST, FLINT, MI 48502-1835

Mortgage

Document Number	202011190078700
Date	Nov 19, 2020
Instrument	202011190078700

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 19, 2020
Property Address	12445 JOEL DR, CLIO, MI 48420-1839
Document Number	0000078698
Instrument Date	Nov 3, 2020
Instrument	78698
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$645.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12445 JOEL DR CLIO MI 484201839, CLIO, MI 48420-1839

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Vienna Charter Township
Unified School District	Clio Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,200 (+4.24%)	$206,400 (+4.24%)
2025	$3,229.00 (+3.2%) Homeowner's exemption	$99,000 (+16.33%)	$198,000 (+16.33%)
2024	$3,129.00 (+71.17%)
2023		$85,100	$170,200
2019	$1,828.00

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

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 98% of the US · lower than 95% 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Joel Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures