126 E Oak St, Elsie, MI 48831 Property Records

Clinton County property record for 126 E Oak St, Elsie, MI 48831

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,236 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,600 (Jun 2025)
Tax Bill	$399 (2025)
Deeds & Mortgages	May 2017 Line of Credit Jun 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-200-005-006-00`

Property Details

APN / Parcel Number

Primary APN	`061-200-005-006-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,054 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	158 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	96 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	126 E OAK ST
City	ELSIE
State	MI
Zip	48831-9634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 6, BLOCK 5, VANDEUSENS ADD. TO VILLAGE OF ELSIE
Legal Subdivision	VANDEUSENS ADD
Legal Block	5
Legal Lot Number	6
Jurisdiction	CLINTON MI
Township / Civil Division	DUPLAIN
Census Block Group	1
Census Block	1026
Census Tract	10702

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	2 Individual Names on Record
Mailing Address	4955 FISHER RD, HOWELL, MI 48855-9783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 30, 2017	Deed of Trust, Mortgage · Line of Credit JOURNEY FCU
Jun 18, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE UNIVERSITY FCU
Jun 17, 2025	Warranty Deed, Transfer · FHA Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2025 · Amount on Record
Deed Sale	Jun 17, 2025 · Amount on Record
Deed Document Number	20255355015
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	126 E OAK ST, ELSIE, MI 48831-9634
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005254422
Date	May 30, 2017
Instrument	5254422

Lender

Name	JOURNEY FCU
Type	Credit Union
Address	SAINT JOHNS, MI 48879

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 29, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	126 E OAK ST, ELSIE, MI 48831-9634
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4955 FISHER RD, HOWELL, MI 48855-9783

Mortgage

Document Number	0005355091
Date	Jun 18, 2025
Instrument	5355091

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Jun 17, 2025
Property Address	126 E OAK ST, ELSIE, MI 48831-9634
Document Number	0005355015
Map Reference	LB 1 PG 1
Instrument Date	Jun 16, 2025
Instrument	5355015
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	TITLE PROFESSIONALS GROUP LIMITED, TITLE PROFESSIONALS GROUP LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 EAST CAK STREET, ELSIE, MI 48831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4955 FISHER RD, HOWELL, MI 48855-9783

Mortgage

Document Number	0005355090
Date	Jun 17, 2025
Instrument	5355090

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Duplain Township
Municipality	Elsie Village
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,400 (-2.55%) Land $3,200 Building $54,200	$114,800 (-2.55%) Land $6,400 Building $108,400
2025	$399.00 (-60.92%) Homeowner's exemption	$58,900 (+25.59%) Land $3,200 Building $55,700	$117,800 (+25.59%) Land $6,400 Building $111,400
2024	$1,021.00 (+12.57%)
2023	$907.00 Homeowner's exemption	$46,900	$93,800
2022	$907.00

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 99.1% of the US · lower than 98.4% 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 ELSIE serves 930 people · EPA ID MI0002120
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2021
Monitoring and Reporting	None 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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