20446 M Dr S, Homer, MI 49245 Property Records

Calhoun County property record for 20446 M Dr S, Homer, MI 49245

Property Summary

Property Type	Manufactured or Modular Home
Details	1 ba · 1,352 sqft
Lot Size	5.89 acres (256,568 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,173 (2025)
Deeds & Mortgages	Dec 2021 Transfer Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-003-021-02`

Property Details

APN / Parcel Number

Primary APN	`07-003-021-02`
Alternative APN	`13-07-003-021-02`

Interior

Full Baths	1 Bath
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Basement Area	1,352 sqft

Exterior

Architectural Style	Modular
Lot Area	256,568 sqft (5.89 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	20446 M DR S
City	HOMER
State	MI
Zip	49245-8601
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	CLARENDON TWP SEC 4 T4S R5W COMM AT NW COR OF E 1/2 OF SW 1/4 TH E 737.0 FT TO POB TH S 440 FT TH E 583 FT TO N & S 1/4 LN OF SEC TH N 440 FT TH W 583 FT +/- TO POB 5.89 ACRES +/-
Legal Range	05W
Legal Township	04S
Legal Section	04
Jurisdiction	CALHOUN MI
Township / Civil Division	CLARENDON
Census Block Group	2
Census Block	2002
Census Tract	3000

Owner

20446 M Dr S, a residential property, is owned and occupied by two individuals who acquired it in December 2021.

Source: Calhoun County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20446 M DR S, HOMER, MI 49245-8601
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

Date	Document
Dec 2, 2021	Intrafamily Transfer, Transfer PUBLIC TITLE COMPANY
Dec 2, 2021	Intrafamily Transfer, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Feb 14, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021
Deed Sale	Dec 2, 2021
Prior Sale	Feb 14, 2020 · Amount on File
Deed Book / Page	4608 / 805
Prior Transfer Date	Nov 1, 2021
Prior Transfer Doc	004608/805
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALHOUN MI
Recording Date	Dec 2, 2021
Property Address	20446 M DR S, HOMER, MI 49245-8601
Document Number	004608/827
Book / Page	4608 / 827
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20446 M DR S, HOMER, MI 49245-8601

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALHOUN MI
Recording Date	Dec 2, 2021
Property Address	20446 M DR S, HOMER, MI 49245-8601
Document Number	004608/805
Book / Page	4608 / 805
Instrument Date	Nov 1, 2021
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	PUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20446 M DR S, HOMER, MI 49245-8601

Mortgage

Document Number	0004608806
Date	Dec 2, 2021
Instrument	4608/806

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN MI
Recording Date	Feb 14, 2020
Property Address	20446 M DR S, HOMER, MI 49245-8601
Document Number	04392/0458
Book / Page	4392 / 0458
Instrument Date	Feb 10, 2020
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	MIDSTATE TITLE AGENCY/STHRN, MIDSTATE TTL AGCY OF SOUTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20446 M DR S, 20446, HOMER, MI 49245-8601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 UNION ST, MARSHALL, MI 49068-1037

Mortgage

Document Number	0004392459
Date	Feb 14, 2020
Instrument	4392/459

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 20446 M Dr S was $2,173 with a homeowner's exemption, up 1.2% from the year before.

Source: Calhoun County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Calhoun County
County Subdivision	Clarendon Township
Unified School District	Homer Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,400 (+17.72%)
2025	$2,173.00 (+1.16%) Homeowner's exemption	$66,600	$156,800 (+17.72%)
2024	$2,148.00		$133,200 (+6.05%)
2023		$62,800	$125,600
2020	$1,427.00

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

Flood

FEMA maps place 20446 M Dr S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 4, 2011

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 20446 M Dr S is low, with less than 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 99.1% of the US · lower than 98.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: DMCI Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on M Dr S

Nearby Streets

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