16104 US Hwy 12, Union, MI 49130 Property Records

Cass County property record for 16104 US Hwy 12, Union, MI 49130

Property Summary

Property Type	Rural Home
Details	5.5 ba · 2,656 sqft · built 1863
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$257,500 (Apr 2018)
Tax Bill	$3,345 (2025)
Deeds & Mortgages	Jul 2023 Transfer Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-060-012-217-06`

Property Details

APN / Parcel Number

Primary APN	`14-060-012-217-06`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,656 sqft Gross Area
1st Floor Area	1,696 sqft
Basement Area	1,696 sqft
Unfinished Basement	1,696 sqft

Exterior

Year Built	Built 1863
Effective Year Built	Effective 1863
Lot Area	217,800 sqft (5 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	16104 US HIGHWAY 12
City	UNION
State	MI
Zip	49130-9236
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	217 T8S-R14W COM S 0 DEG 43'29W 1555.53 FT & S 69 DEG 24'54W 388.66 FT FRM E 1/4 COR, TH S 69 DEG 24'54W 88.18 FT, S 20
Legal Range	14W
Legal Township	08S
Legal Section	12
Jurisdiction	CASS MI
Township / Civil Division	MASON
Census Block Group	2
Census Block	2028
Census Tract	1100

Owner

16104 US Hwy 12, a rural home, is owned and occupied by two individuals who acquired it in May 2025.

Source: Cass County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16104 US HIGHWAY 12, UNION, MI 49130-9236
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 10, 2023	Intrafamily Transfer, Transfer VOYAGER TITLE INC, VOYAGER TITLE LLC
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit CENTIER BANK
Apr 17, 2018	Warranty Deed, Transfer · Conventional Mortgage INOVA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Deed Book / Page	1138 / 1198
Last Transfer Date	May 29, 2025
Transfer Doc	01260/2560
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MI
Recording Date	Jul 10, 2023
Property Address	16104 US HIGHWAY 12, UNION, MI 49130-9236
Document Number	01234/1765
Book / Page	1234 / 1765
Instrument Date	Jun 30, 2023
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	VOYAGER TITLE INC, VOYAGER TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51254 SHADY LN, ELKHART, IN 46514-6063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16104 US HIGHWAY 12, UNION, MI 49130-9236

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	16104 US HIGHWAY 12, UNION, MI 49130-9236
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01221/1796
Date	Aug 15, 2022
Book Page	1221/1796

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jul 13, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Apr 17, 2018
Property Address	16104 US HIGHWAY 12, UNION, MI 49130-9236
Document Number	01138/1198
Book / Page	1138 / 1198
Instrument Date	Apr 13, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,214.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16104 US HIGHWAY 12, 16104, UNION, MI 49130-9236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1563 KERSHNER LN, ELKHART, IN 46514-4792

Mortgage

Document Number	0011381201
Date	Apr 17, 2018
Instrument	1138/1201

Lender

Name	INOVA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 16104 US Hwy 12 was $3,345 with a homeowner's exemption, up 4.7% from the year before.

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,600 (-0.77%) Building $166,600	$333,200 (-0.77%) Building $333,200
2025	$3,345.00 (+4.73%) Homeowner's exemption	$167,900 Building $167,900	$335,800 Building $335,800
2024	$3,194.00
2023		$125,400	$250,800
2022	$2,994.00

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.

Flood

FEMA maps place 16104 US Hwy 12 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 5, 2007 · 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 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1982 · tidal / storm surge

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

The area around 16104 US Hwy 12 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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)
Midwest Energy & Communications Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on US Hwy 12

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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