12978 A Dr S, Ceresco, MI 49033 Property Records

Calhoun County property record for 12978 A Dr S, Ceresco, MI 49033

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,671 sqft · built 2001
Lot Size	4.77 acres (207,781 sqft)
Owner	Individual Name on File
Last Sale	$226,500 (Oct 2012)
Tax Bill	$61 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-106-015-10`

Property Details

APN / Parcel Number

Primary APN	`11-106-015-10`
Alternative APN	`13-11-106-015-10`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,671 sqft Living Area
1st Floor Area	1,307 sqft
Basement Area	1,307 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	207,781 sqft (4.77 acres)
Garage Area	3,170 sqft
Parking Spaces	11 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12978 A DR S
City	CERESCO
State	MI
Zip	49033-9779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDEN
Legal Description	FREDONIA TOWNSHIP T3S R6W SEC 6 BEG 100.01 FT N 88 DEG 25'56"W OF E 1/4 POST, S 00 DEG 42'14"W 1079 FT, S 89 DEG 20'31"E 166.44 FT, S 02 DEG 49'29"E 244.67 FT, N 88 DEG 24'10"W 380.07 FT, N 04 DEG 42'10"E 665.57 FT, N 17 DEG 13'07"E 376.84 FT, N 00 D
Legal Range	06W
Legal Township	03S
Legal Section	06
Jurisdiction	CALHOUN MI
Township / Civil Division	FREDONIA
Census Block Group	1
Census Block	1016
Census Tract	2900

Owner

12978 A Dr S is owned and occupied by an individual who bought it in October 2012.

Source: Calhoun County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	12978 A DR S, CERESCO, MI 49033-9779
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
Aug 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Jun 26, 2019	Deed of Trust, Mortgage · VA Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2012 · Amount on File
Deed Sale	Oct 15, 2012 · Amount on File
Deed Book / Page	3740 / 724
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Recording Date	Aug 6, 2026
Property Address	12978 A DR S, CERESCO, MI 49033-9779
Document Number	5027000045
Book / Page	5027 / 45
Instrument Date	Aug 1, 2026
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12978 A DR S, CERESCO, MI 49033-9779

Mortgage

Document Number	5027000045,
Date	Aug 6, 2026
Book Page	5027/45

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	12978 A DR S, CERESCO, MI 49033-9779
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	04330/0428
Date	Jun 26, 2019
Book Page	4330/0428

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12978 A Dr S was $61 with a homeowner's exemption.

Source: Calhoun County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Calhoun County
County Subdivision	Fredonia Township
Unified School District	Marshall Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,300
2025	$61.00		$382,600

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

Flood

FEMA maps place 12978 A Dr S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective April 4, 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	1 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · 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

Wildfire risk around 12978 A Dr S is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on A Dr S

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