Eaton County property record for 12870 Oneida Rd, Grand Ledge, MI 48837
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,108 sqft · built 1968 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $256,000 (Jun 2026) |
| Tax Bill | $2,621 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Mar 2018 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03006360006000 |
| Primary APN | 03006360006000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,108 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| Basement Area | 1,108 sqft |
| Unfinished Basement | 1,108 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Area | 572 sqft |
| Porch | Porch |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 12870 ONEIDA RD |
|---|---|
| City | GRAND LEDGE |
| State | MI |
| Zip | 48837-9494 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A RE |
| Legal Description | LOT 6. MAPLE VALLEY ESTATES SEC.10, T4N,R4W, ONEIDA TOWNSHIP |
| Legal Range | 04W |
| Legal Township | 04N |
| Legal Section | 10 |
| Legal Subdivision | MAPLE VALLEY ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | EATON MI |
| Township / Civil Division | ONEIDA |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 20404 |
12870 Oneida Rd is owned and occupied by an individual who bought it in June 2026.
Source: Eaton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 921 DART RD, MASON, MI 48854-9356 |
| 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.
| Date | Document |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU |
| Mar 14, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLAGSTAR BANK FSB |
| Jun 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CREDIT UNION |
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN STATE UNIVERSITY FCU |
| Mar 14, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on File |
| Deed Sale | Jun 11, 2026 · Amount on File |
| Prior Sale | Jul 22, 2011 · Amount on File |
| Deed Document Number | 2026 |
| Deed Book / Page | 3196 / 28 |
| Prior Transfer Date | Apr 22, 2010 |
| Prior Transfer Doc | 2280/0623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 12870 ONEIDA RD, GRAND LEDGE, MI 48837-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002925/645 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 2925/645 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 12870 ONEIDA RD, GRAND LEDGE, MI 48837-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02724/0719 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 2724/0719 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Jun 11, 2026 |
| Property Address | 12870 ONEIDA RD, GRAND LEDGE, MI 48837-9494 |
| Document Number | 3196000028 |
| Book / Page | 3196 / 28 |
| Instrument Date | Jun 5, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222,361.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 921 DART RD, MASON, MI 48854-9356 |
| Document Number | 3196000030, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 3196/30 |
| Name | CONSUMERS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 12870 ONEIDA RD, GRAND LEDGE, MI 48837-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2925/645 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 2925/645 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 12870 ONEIDA RD, GRAND LEDGE, MI 48837-9494 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2724/0719 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 2724/0719 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 12870 Oneida Rd was $2,621 with a homeowner's exemption, up 2.9% from the year before.
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| County Subdivision | Oneida Charter Township |
| Unified School District | Grand Ledge Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $102,600 (-1.16%) | $204,351 (-) Land $64,965 Building $139,386 | |
| 2025 | $2,621.00 (+2.91%) Homeowner's exemption | $103,800 | $204,351 Land $64,965 Building $139,386 |
| 2024 | $2,547.00 | ||
| 2023 | $87,000 | $174,000 | |
| 2022 | $2,254.00 |
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.
FEMA maps place 12870 Oneida Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2026 · 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 risk around 12870 Oneida 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 95% of the US · lower than 89% 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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