190 Mill St, Saranac, MI 48881 Property Records

Ionia County property record for 190 Mill St, Saranac, MI 48881

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,128 sqft · built 1865
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Jul 2020)
Tax Bill	$2,943 (2025)
Deeds & Mortgages	Jan 2007 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02101200023500`

Property Details

APN / Parcel Number

Primary APN	`02101200023500`
Alternative APN	`34-021-012-000-235-00`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	1,660 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 MILL ST
City	SARANAC
State	MI
Zip	48881-9683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF SARANAC COM AT NE COR OF W 1/2 OF NW 1/4, TH S 12RDS W 6RDS, N 12RDS E 6RDS TO BEG. SEC. 12 T6N R8W BOSTON TWP,
Jurisdiction	IONIA MI
Township / Civil Division	BOSTON
Census Block Group	3
Census Block	3012
Census Tract	31301

Owner

190 Mill St is owned and occupied by two individuals who bought it in July 2020.

Source: Ionia County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	190 MILL ST, SARANAC, MI 48881-9683
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on File
Deed Sale	Jul 16, 2020 · Amount on File
Prior Sale	Jan 28, 2014 · Amount on File
Prior Transfer Date	Aug 4, 2011
Prior Transfer Doc	621/0759
Record Updated	Oct 29, 2026

January 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IONIA MI
Recording Date	Jan 5, 2007
Property Address	190 MILL ST, SARANAC, MI 48881-9683
Document Number	0600/07801
Book / Page	600 / 07801
Instrument Date	Dec 29, 2006
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,032.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 MILL ST, SARANAC, MI 48881-9683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5330 KIES ST NE, ROCKFORD, MI 49341-9843

Mortgage

Document Number	0060007803
Date	Jan 5, 2007
Instrument	600/07803

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	10.6%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	10.6%
Max Rate At Change	12.1%
Index	6-Month LIBOR
Max Rate	17.6%

Tax Assessment & Valuation

The 2025 property tax bill for 190 Mill St was $2,943 with a homeowner's exemption.

Source: Ionia County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ionia County
County Subdivision	Boston Township
Municipality	Saranac Village
Unified School District	Saranac Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,700 (+7.64%) Land $15,800 Building $103,900	$239,400 (+7.64%) Land $31,600 Building $207,800
2025	$2,943.00 Homeowner's exemption	$111,200 Land $14,100 Building $97,100	$222,400 Land $28,200 Building $194,200
2023		$88,500 Land $10,700 Building $77,800	$177,000 Land $21,400 Building $155,600

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

Flood

FEMA maps place 190 Mill St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 15, 2015

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 190 Mill St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	SARANAC serves 1,343 people · EPA ID MI0005930
Water Source	Groundwater
Last State Inspection	Jun 2021
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Point Broadband Fixed Wireless	200 / 50

May also be available: AT&T, Verizon.

Nearby Properties on Mill St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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