13531 Wayne St, Union, MI 49130 Property Records

Cass County property record for 13531 Wayne St, Union, MI 49130

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1963
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,541 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`14-120-395-001-00`

Property Details

APN / Parcel Number

Primary APN	`14-120-395-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,492 sqft Building Perimeter
1st Floor Area	1,492 sqft
Basement Area	1,492 sqft
Unfinished Basement	1,492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Condo/Apartment
Lot Area	14,375 sqft (0.33 acres)
Garage Area	624 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	13531 WAYNE ST
City	UNION
State	MI
Zip	49130-9767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. (794 8-13 358-606) LOT 1 INDIANA LAKE ESTATES.
Legal Subdivision	INDIANA LAKE ESTATES
Legal Lot Number	1
Legal Unit	23,23
Jurisdiction	CASS MI
Township / Civil Division	PORTER
Census Block Group	2
Census Block	2053
Census Tract	1000

Owner

Source: Cass County records · APN 14-120-395-001-00

Assessment roll updated August 28, 2025 · Last verified August 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 File
Mailing Address	13531 WAYNE ST, UNION, MI 49130-9767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 01, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 08, 2017	Trustee's Deed, Foreclosure · ARM GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 08, 2017
Deed Sale	Aug 08, 2017
Deed Book / Page	1126 / 2388
Prior Transfer Date	Nov 16, 2011
Prior Transfer Doc	1033/0729
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Sep 01, 2022
Property Address	13531 WAYNE ST, UNION, MI 49130-9767
Document Number	01222/1560
Book / Page	1222 / 1560
Map Reference	LB 14 PG 411
Instrument Date	Aug 10, 2022
Transaction Type	Transfer
Record Updated	Sep 14, 2022
Title Company	NEAR NORTH TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 INGLEWOOD RD, 1, ASHEVILLE, NC 28804-1615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13531 WAYNE ST, UNION, MI 49130-9767

Mortgage

Document Number	0012221562
Date	Sep 01, 2022
Instrument	1222-1562

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2037

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CASS MI
Recording Date	Aug 08, 2017
Property Address	13531 WAYNE ST, UNION, MI 49130-9767
Document Number	1126/2388
Book / Page	1126 / 2388
Map Reference	LB1-I PG411
Instrument Date	Aug 04, 2017
Transaction Type	Foreclosure
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56048 COUNTY ROAD 21, 56048, BRISTOL, IN 46507-9513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13531 WAYNE ST, UNION, MI 49130-9767

Mortgage

Document Number	1126/2390
Date	Aug 08, 2017
Book Page	1126/2390

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Sep 01, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

Source: Cass County records · Assessment roll updated August 28, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Porter Township
Unified School District	White Pigeon Community Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$300,500 (+1.52%)	$601,000 (+1.52%)
2025	$2,541.00 (-57.7%) Homeowner's exemption	$296,000 (+33.88%) Land $296,000	$592,000 (+33.88%) Land $592,000
2024	$6,007.00 (+37.11%)
2023		$221,100	$442,200
2022	$4,381.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 5, 2007 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Midwest Energy Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 111 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Wayne St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures