197 Joy Rd, Adrian, MI 49221 Property Records

Lenawee County property record for 197 Joy Rd, Adrian, MI 49221

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,222 sqft · built 1996
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Dec 2020)
Tax Bill	$4,176 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jan 2024 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`XA0-648-0003-00`

Property Details

APN / Parcel Number

Primary APN	`XA0-648-0003-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	5 Stories
Building Area	1,222 sqft Living Area
1st Floor Area	564 sqft
Basement Area	564 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	296 ft deep x 129 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	10 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	197 JOY RD
City	ADRIAN
State	MI
Zip	49221-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	LOT 3 MEADOW VIEW ESTATES
Legal Subdivision	MEADOW VIEW ESTATES
Legal Lot Number	3
Jurisdiction	LENAWEE MI
Township / Civil Division	ADRIAN
Census Block Group	4
Census Block	4000
Census Tract	61702

Owner

Source: Lenawee County records, as of July 31, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	197 JOY RD, ADRIAN, MI 49221-1214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 31, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GOLD SATR MORTGAGE FINANCIAL GROUP CORP
Jan 22, 2024	Warranty Deed, Transfer · Conventional Mortgage GOLD SATR MORTGAGE FINANCIAL GROUP
Jul 3, 2023	Deed of Trust, Mortgage TLC COMMUNITY CREDIT UNION
Dec 4, 2020	Warranty Deed, Transfer · Stand-Alone Refinance UNION HOME MORTGAGE
Jun 14, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on Record
Deed Sale	Dec 4, 2020 · Amount on Record
Deed Book / Page	2608 / 720
Prior Transfer Date	Dec 27, 2006
Prior Transfer Doc	2337000401
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LENAWEE MI
Recording Date	Feb 26, 2026
Property Address	197 JOY RD, ADRIAN, MI 49221-1214
Document Number	0026960671
Book / Page	2696 / 671
Map Reference	LB 20 PG 39
Instrument Date	Feb 23, 2026
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	197 JOY RD, ADRIAN, MI 49221-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	197 JOY RD, ADRIAN, MI 49221-1214

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	197 JOY RD, ADRIAN, MI 49221-1214
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026640304
Date	Jan 31, 2024
Book Page	2664/304

Lender

Name	GOLD SATR MORTGAGE FINANCIAL GROUP CORP
Address	100 PHOENIX DR STE 300, ANN ARBOR, MI 48108

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2034

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Jan 22, 2024
Property Address	197 JOY RD, ADRIAN, MI 49221-1214
Document Number	0026640015
Book / Page	2664 / 15
Map Reference	LB 20 PG 39-41
Instrument Date	Dec 14, 2023
Transaction Type	Transfer
Record Updated	Dec 1, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	197 JOY RD, ADRIAN, MI 49221-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	197 JOY RD, ADRIAN, MI 49221-1214

Mortgage

Document Number	0000266416
Date	Jan 22, 2024
Instrument	2664/16

Lender

Name	GOLD SATR MORTGAGE FINANCIAL GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	197 JOY RD, ADRIAN, MI 49221-1214
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026560708
Date	Jul 3, 2023
Book Page	2656/708

Lender

Name	TLC COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Dec 4, 2020
Property Address	197 JOY RD, ADRIAN, MI 49221-1214
Document Number	0026080720
Book / Page	2608 / 720
Instrument Date	Dec 3, 2020
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	RIVER ST, HILLSDALE, MI 49242

Mortgage

Document Number	0026080721
Date	Dec 4, 2020
Book Page	2608/721

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LENAWEE MI
Recording Date	Jun 14, 2017
Property Address	197 JOY RD, ADRIAN, MI 49221-1214
Document Number	0025470118
Book / Page	002547 / 000118
Instrument Date	Jun 1, 2017
Transaction Type	Transfer
Record Updated	Jul 26, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Lenawee County assessment roll, as of July 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Adrian City
County	Lenawee County
Unified School District	Adrian City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,700 (+3.25%)	$203,400 (+3.25%)
2025	$4,176.00 (+2.4%) Homeowner's exemption	$98,500 (+18.25%)	$197,000 (+18.25%)
2024	$4,078.00
2023		$83,300 (+10.62%)	$166,600 (+10.62%)
2022		$75,300	$150,600

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

Source: FEMA National Flood Hazard Layer, effective August 14, 2019

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 98% of the US · lower than 95% 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	ADRIAN serves 23,663 people · EPA ID MI0000040
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 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	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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: D&P Communications.

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