125 E Elm St, Ovid, MI 48866 Property Records

Clinton County property record for 125 E Elm St, Ovid, MI 48866

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,840 sqft · built 1880
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Feb 2022)
Tax Bill	$1,894 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`580-000-028-020-00`

Property Details

APN / Parcel Number

Primary APN	`580-000-028-020-00`
Alternative APN	`12100002802000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
1st Floor Area	1,112 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	117 ft deep x 100 ft wide
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	389 sqft
Deck Area	Deck Area
Utility Building	540 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	125 E ELM ST
City	OVID
State	MI
Zip	48866-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA -1
Legal Description	LOTS 20 & 21, BLK. 28, OVID.
Legal Subdivision	VILLAGE OF OVID
Legal Block	28
Legal Lot Number	20-21
Jurisdiction	CLINTON MI
Township / Civil Division	OVID
Census Block Group	3
Census Block	3027
Census Tract	11001

Owner

125 E Elm St is owned and occupied by two individuals who bought it in February 2022.

Source: Clinton County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	125 E ELM ST, OVID, MI 48866-9706
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
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage DFCU FINANCIAL
Jan 12, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	Jul 1, 2004 · Amount on File
Deed Document Number	20225322116
Prior Transfer Date	Dec 19, 2016
Prior Transfer Doc	5249701
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	125 E ELM ST, OVID, MI 48866-9706
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	AVEN FINANCIAL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 E ELM ST, OVID, MI 48866-9706

Mortgage

Document Number	0005361529
Date	Feb 2, 2026
Instrument	5361529

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Feb 25, 2022
Property Address	125 E ELM ST, OVID, MI 48866-9706
Document Number	0005322116
Map Reference	LB 21 PG 367
Instrument Date	Feb 23, 2022
Instrument	5322116
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6325 N SOLOMON RD, 6325, MIDDLEVILLE, MI 49333-8767

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	928 PIERCE RD, LANSING, MI 48910-5274

Mortgage

Document Number	0005322117
Date	Feb 25, 2022
Instrument	5322117

Lender

Name	DFCU FINANCIAL
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON MI
Recording Date	Jan 12, 2017
Property Address	125 E ELM ST, OVID, MI 48866-9706
Document Number	5249701
Instrument Date	Dec 19, 2016
Instrument	5249701
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10497 DUNCAN LAKE AVE SE, 10497, CALEDONIA, MI 49316-9413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6325 N SOLOMON RD, MIDDLEVILLE, MI 49333-8767

Tax Assessment & Valuation

The 2025 property tax bill for 125 E Elm St was $1,894 with a homeowner's exemption, down 30.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
Municipality	Ovid City
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,600 (+4.54%) Land $9,400 Building $71,200	$161,200 (+4.54%) Land $18,800 Building $142,400
2025	$1,894.00 (-30.55%) Homeowner's exemption	$77,100 Land $5,000 Building $72,100	$154,200 Land $10,000 Building $144,200
2024	$2,727.00 (+55.47%)
2023	$1,754.00	$60,600	$121,200
2022	$1,754.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 125 E Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective May 3, 2011 · 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	3 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Oct 1981 · rainfall accumulation

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

The area around 125 E Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF OVID serves 1,612 people · EPA ID MI0005100
Water Source	Groundwater
Last State Inspection	May 2025
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	4 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: DayStarr.

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