18525 Warner Rd, Decatur, MI 49045 Property Records

Cass County property record for 18525 Warner Rd, Decatur, MI 49045 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,264 sqft · built 1900
Lot Size	4.44 acres (193,406 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Aug 2019)
Tax Bill	$608 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-140-010-008-05`

Property Details

APN / Parcel Number

Primary APN	`14-140-010-008-05`

Interior

Full Baths	1 Bath
Building Area	1,264 sqft Building Perimeter
1st Floor Area	848 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	193,406 sqft (4.44 acres)
Garage Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	18525 WARNER RD
City	DECATUR
State	MI
Zip	49045-9414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90 COM N 0 DEG 2'36W 1141.38 FT FRM S 1/4 COR, TH S 66 DEG 35'59W 347.58 FT, N 0 DEG 1'14E 250.92 FT, S 89 DEG 46'56E 319
Jurisdiction	CASS MI
Township / Civil Division	VOLINIA
Census Block Group	1
Census Block	1034
Census Tract	1701

Owner

Source: Cass County records · APN 14-140-010-008-05

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	Individual Name on File
Mailing Address	18525 WARNER RD, DECATUR, MI 49045-9414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage ARBOR FINANCIAL CU
Mar 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Dec 12, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ARBOR FINANCIAL CU
Aug 01, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Jun 07, 2019	Intrafamily Transfer, Transfer
Nov 28, 2017	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 01, 2019 · Amount on Record
Deed Sale	Aug 01, 2019 · Amount on Record
Deed Book / Page	1158 / 988
Last Transfer Date	Dec 02, 2022
Transfer Doc	0001227/70
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	18525 WARNER RD, DECATUR, MI 49045-9414
Transaction Type	Mortgage
Record Updated	Nov 05, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18525 WARNER RD, DECATUR, MI 49045-9414

Mortgage

Document Number	001267/783
Date	Oct 20, 2025
Book Page	1267/783

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	18525 WARNER RD, DECATUR, MI 49045-9414
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01190/2533
Date	Mar 02, 2021
Book Page	1190/2533

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MI
Recording Date	Dec 12, 2022
Property Address	18525 WARNER RD, DECATUR, MI 49045-9414
Document Number	0001227/70
Book / Page	1227 / 70
Instrument Date	Dec 02, 2022
Transaction Type	Transfer
Record Updated	Jan 02, 2023
Title Company	OAK TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3566 TIMES, KALAMAZOO, MI 49007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18525 WARNER RD, DECATUR, MI 49045-9414

Mortgage

Document Number	0012270073
Date	Dec 12, 2022
Instrument	1227-0073

Lender

Name	ARBOR FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 01, 2026
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	Other
Max Rate	10.3%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Aug 01, 2019
Property Address	18525 WARNER RD, DECATUR, MI 49045-9414
Document Number	01158/0988
Book / Page	1158 / 0988
Instrument Date	Jun 24, 2019
Transaction Type	Transfer
Record Updated	May 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,410.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18525 WARNER RD, 18525, DECATUR, MI 49045-9414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5163 LANDS END DR, KALAMAZOO, MI 49009-5410

Mortgage

Document Number	0001158990
Date	Aug 01, 2019
Instrument	1158/990

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2049

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MI
Recording Date	Jun 07, 2019
Property Address	18525 WARNER RD, DECATUR, MI 49045-9414
Document Number	01155/2421
Book / Page	1155 / 2421
Instrument Date	Jun 06, 2019
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18525 WARNER RD, 18525, DECATUR, MI 49045-9414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18525 WARNER RD, DECATUR, MI 49045-9414

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Nov 28, 2017
Property Address	18525 WARNER RD, DECATUR, MI 49045-9414
Document Number	01132/0335
Book / Page	1132 / 0335
Instrument Date	Nov 10, 2017
Instrument	1132-0335
Transaction Type	Transfer
Record Updated	Jun 06, 2023
Title Company	TITLE RE SOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$872.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18525 WARNER RD, 18525, DECATUR, MI 49045-9414

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	431 5TH AVE, THREE RIVERS, MI 49093-1114

Mortgage

Document Number	0011320338
Date	Nov 28, 2017
Instrument	1132-0338

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

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	Volinia Township
Unified School District	Marcellus Community Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,000 (-2.41%)	$154,000 (-2.41%)
2025	$608.00 (-72.56%) Homeowner's exemption	$78,900 (+25.24%) Land $78,900	$157,800 (+25.24%) Land $157,800
2023		$63,000	$126,000
2022	$2,216.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cass County (26027C), updated September 5, 2007 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Midwest Energy Cooperative	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

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