1280 S Smith Rd, Eaton Rapids, MI 48827 Property Records

Eaton County property record for 1280 S Smith Rd, Eaton Rapids, MI 48827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,184 sqft · built 1995
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on File
Last Sale	$209,900 (Feb 2021)
Tax Bill	$3,312 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12002220007000`

Property Details

APN / Parcel Number

Primary APN	`12002220007000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Unfinished Basement	1,184 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	60,113 sqft (1.38 acres)
Garage Area	576 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1280 S SMITH RD
City	EATON RAPIDS
State	MI
Zip	48827-9358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LA
Legal Description	COM 1043.26 FT N OF E 1/4 COR, SEC.22, W 300 FT, N 200 FT, E 300 FT, S 200 FT TO BEG. SEC.22, T2N,R3W, EATON RAPIDS TWP 1994
Legal Range	03W
Legal Township	02N
Legal Section	22
Jurisdiction	EATON MI
Township / Civil Division	EATON RAPIDS
Census Block Group	2
Census Block	2018
Census Tract	21201

Owner

1280 S Smith Rd is owned and occupied by an individual who bought it in February 2021.

Source: Eaton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1280 S SMITH RD, EATON RAPIDS, MI 48827-9358
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
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on File
Deed Sale	Feb 8, 2021 · Amount on File
Prior Sale	Oct 6, 2015 · Amount on File
Deed Book / Page	2904 / 623
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	1280 S SMITH RD, EATON RAPIDS, MI 48827-9358
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 S SMITH RD, EATON RAPIDS, MI 48827-9358

Mortgage

Document Number	003030/889
Date	Nov 29, 2022
Book Page	3030/889

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Feb 8, 2021
Property Address	1280 S SMITH RD, EATON RAPIDS, MI 48827-9358
Document Number	002904/623
Book / Page	2904 / 623
Instrument Date	Feb 1, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1280 S SMITH RD, 1280, EATON RAPIDS, MI 48827-9358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 S MERIDIAN RD, MASON, MI 48854-9682

Mortgage

Document Number	0002904624
Date	Feb 8, 2021
Instrument	2904/624

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1280 S Smith Rd was $3,312 with a homeowner's exemption.

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
County Subdivision	Eaton Rapids Township
Unified School District	Eaton Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$121,500	$229,741 Land $31,710 Building $198,031
2025	$3,312.00
2023		$99,200	$198,400
2022	$2,817.00

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

FEMA maps place 1280 S Smith Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · 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	8 in force
Nearby Flood Claims	11 (1982–2018)
Claims Outside the SFHA	1 of 11
Most Recent Claim	May 2018 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2004 · 2 claims

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

Wildfire risk around 1280 S Smith Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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