12851 Cambria Rd, Camden, MI 49232 Property Records

Hillsdale County property record for 12851 Cambria Rd, Camden, MI 49232

Property Summary

Property Type	Rural Home
Details	1,449 sqft
Lot Size	80 acres (3,484,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,487 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-028-300-001-28-8-3`

Property Details

APN / Parcel Number

Primary APN	`15-028-300-001-28-8-3`

Interior

Stories	2 Stories
Building Area	1,449 sqft Living Area
Gross Area	2,289 sqft
1st Floor Area	2,289 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Architectural Style	Other
Exterior Material	Wood Siding
Lot Area	3,484,800 sqft (80 acres)
Total Buildings	24 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	12851 CAMBRIA RD
City	CAMDEN
State	MI
Zip	49232-9559
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W1/2 SW1/4 SEC 28 T8S R3W 80 A M/L
Legal Range	03W
Legal Township	08S
Legal Section	28
Legal Subdivision	False
Jurisdiction	HILLSDALE MI
Township / Civil Division	WOODBRIDGE
Census Block Group	1
Census Block	1029
Census Tract	51100

Owner

Source: Hillsdale County records, as of July 27, 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	12851 CAMBRIA RD, CAMDEN, MI 49232-9559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Apr 10, 2017	Deed of Trust, Mortgage · ARM FARMERS STATE BANK

Assessor's Deed Record

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	12851 CAMBRIA RD, CAMDEN, MI 49232-9559
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MIDSTATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1652/0980
Date	Apr 10, 2017
Book Page	1652/0980

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	LAGRANGE, IN 46761

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 26, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HILLSDALE MI
Property Address	12851 CAMBRIA RD, CAMDEN, MI 49232-9559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1652/0961
Date	Apr 10, 2017
Book Page	1652/0961

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	LAGRANGE, IN 46761

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.74%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	2.74%
Max Rate At Change	5.74%
Index	1-Year CMT
Max Rate	9.74%

Tax Assessment & Valuation

Source: Hillsdale County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Hillsdale County
County Subdivision	Woodbridge Township
Unified School District	Camden-Frontier School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$466,200 (+25.36%)	$931,428 (+25.41%) Land $511,612 Building $419,816
2025	$5,487.00 (+28.5%)
2023		$371,900	$742,700 Land $284,098 Building $458,602
2021	$4,270.00

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, 2014

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
DMCI Broadband Fixed Wireless	40 / 10
MetaLINK Technologies Fixed Wireless	25 / 5

May also be available: AT&T.

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