176 E Summit St, Chelsea, MI 48118 Property Records

Washtenaw County property record for 176 E Summit St, Chelsea, MI 48118

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,072 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Last Sale	$174,000 (Feb 2008)
Tax Bill	$2,990 (2025)
Deeds & Mortgages	Jan 2017 Reverse Mortgage Oct 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-12-404-001`

Property Details

APN / Parcel Number

Primary APN	`06-06-12-404-001`
Alternative APN	`FC0612404001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	1,278 sqft
Basement Area	1,199 sqft
Unfinished Basement	1,199 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	176 E SUMMIT ST
City	CHELSEA
State	MI
Zip	48118-1054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3 TW
Legal Description	TRSF 8-1-97 *OLD SID - FC 06-570-043-00 CV 5-40A LOT 25 BLK 17 E. CONGDON'S 3RD ADDITION.
Legal Range	3E
Legal Township	2S
Legal Section	12
Legal Subdivision	ELISHA CONGDONS THIRD ADDITION
Legal Block	17
Legal Lot Number	25
Jurisdiction	WASHTENAW MI
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2025
Census Tract	446400

Owner

Source: Washtenaw County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	176 E SUMMIT ST, CHELSEA, MI 48118-1054
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2017	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Oct 25, 2016	Deed of Trust, Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2008 · Amount on Record
Deed Sale	Feb 13, 2008 · Amount on Record
Prior Sale	Jan 17, 2008 · Amount on Record
Deed Document Number	20085832172
Deed Book / Page	4665 / 577
Last Transfer Date	Aug 19, 2008
Transfer Doc	0005867530
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHTENAW MI
Property Address	176 E SUMMIT ST, CHELSEA, MI 48118-1054
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006352736
Date	Jan 6, 2017
Book Page	5186/099
Instrument	6352736

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	885 Months
Due	Oct 18, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.82%
Type Change Date	Nov 1, 2017
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHTENAW MI
Property Address	176 E SUMMIT ST, CHELSEA, MI 48118-1054
Document Number	0006352737
Instrument Date	Oct 25, 2016
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	176 E SUMMIT ST CHELSEA MI 481181054, CHELSEA, MI 48118-1054

Mortgage

Document Number	0006352737
Date	Jan 6, 2017
Book Page	005186/000100
Instrument	6352737

Lender

Name	HUD-HOUSING/URBAN DEV
Address	CHELSEA, MI 48118

Agreement

Amount	Amount Recorded
Term	876 Months
Due	Jan 5, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.82%

Tax Assessment & Valuation

Source: Washtenaw County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Chelsea City
County	Washtenaw County
Unified School District	Chelsea School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,900	$379,800
2025	$2,990.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 21, 2026

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

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	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	CHELSEA serves 5,474 people · EPA ID MI0001370
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 462 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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