158 E Oak St, Elsie, MI 48831 Property Records

Clinton County property record for 158 E Oak St, Elsie, MI 48831

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,584 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$89,000 (Jul 2020)
Tax Bill	$614 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`061-200-005-001-00`

Property Details

APN / Parcel Number

Primary APN	`061-200-005-001-00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	158 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	44 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	158 E OAK ST
City	ELSIE
State	MI
Zip	48831-9667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 1, BLOCK 5, VANDEUSENS ADD. TO VILLAGE OF ELSIE
Legal Subdivision	VANDEUSENS ADD
Legal Block	5
Legal Lot Number	1
Jurisdiction	CLINTON MI
Township / Civil Division	DUPLAIN
Census Block Group	1
Census Block	1026
Census Tract	10702

Owner

158 E Oak St is owned and occupied by an individual who bought it in July 2020.

Source: Clinton County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	158 E OAK ST, ELSIE, MI 48831-9667
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
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PFCU
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 7, 2020	Warranty Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Sep 14, 2005 · Amount on File
Deed Document Number	20205294843
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	158 E OAK ST, ELSIE, MI 48831-9667
Transaction Type	Mortgage
Record Updated	Jul 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 E OAK ST, ELSIE, MI 48831-9667

Mortgage

Document Number	0005336517
Date	Jun 30, 2023
Instrument	5336517

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	158 E OAK ST, ELSIE, MI 48831-9667
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 E OAK ST, ELSIE, MI 48831-9667

Mortgage

Document Number	5317785
Date	Nov 9, 2021
Instrument	5317785

Lender

Name	PFCU
Type	Credit Union
Address	PORTLAND, MI 48875

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 4, 2031

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	158 E OAK ST, ELSIE, MI 48831-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5262057
Date	Dec 26, 2017
Instrument	5262057

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Jul 7, 2020
Property Address	158 E OAK ST, ELSIE, MI 48831-9667
Document Number	5294843
Map Reference	LB 1 PG 1
Instrument Date	Jun 24, 2020
Instrument	5294843
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 E OAK ST, 158, ELSIE, MI 48831-9667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8003 SILVERLAND DR APT 25, 25, PORTLAND, MI 48875-8789
Investor	Possibly a Property Investor

Mortgage

Document Number	5294844
Date	Jul 7, 2020
Instrument	5294844

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 158 E Oak St was $614 with a homeowner's exemption, down 60.9% from the year before.

Source: Clinton County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Duplain Township
Municipality	Elsie Village
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,200 (-2.58%) Land $3,200 Building $61,000	$128,400 (-2.58%) Land $6,400 Building $122,000
2025	$614.00 (-60.92%) Homeowner's exemption	$65,900 Land $3,200 Building $62,700	$131,800 Land $6,400 Building $125,400
2024	$1,571.00 (+12.54%)
2023	$1,396.00 Homeowner's exemption	$52,300	$104,600
2022	$1,396.00

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

Flood

FEMA maps place 158 E Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 3, 2011

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

Wildfire risk around 158 E Oak St 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 99.1% of the US · lower than 98.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF ELSIE serves 930 people · EPA ID MI0002120
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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