2180 Whispering Waters Pass, Flushing, MI 48433 Property Records

Genesee County property record for 2180 Whispering Waters Pass, Flushing, MI 48433

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,098 sqft · built 1999
Lot Size	5.23 acres (228,211 sqft)
Owner	Trust Name on File
Last Sale	$496,000 (Nov 2018)
Tax Bill	$10,473 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-02-551-010`

Property Details

APN / Parcel Number

Primary APN	`04-02-551-010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	4,098 sqft Living Area
1st Floor Area	2,754 sqft
Basement Area	2,754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	228,211 sqft (5.23 acres)
Lot Dimensions	200 ft deep x 150 ft wide
Garage Area	987 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2180 WHISPERING WATERS PASS
City	FLUSHING
State	MI
Zip	48433-1790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FS,SING
Legal Description	LOT 10 PEBBLE CREEK ESTATES SUBDIVISION SEC 02 T7N R5E (2000) FR 04-02-300-025
Legal Range	05E
Legal Township	07N
Legal Section	02
Legal Subdivision	PEBBLE CREEK ESTATES SUBDIVISION
Legal Lot Number	10
Jurisdiction	GENESEE MI
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1003
Census Tract	12704

Owner

2180 Whispering Waters Pass is owner-occupied and held in a trust since January 2019.

Source: Genesee County records, as of October 2, 2026

Owner of Record	Trust Name on File
Mailing Address	2180 WHISPERING WATERS PASS, FLUSHING, MI 48433-1790
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 23, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 8, 2018	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Jan 8, 2019	Quit Claim Deed, Transfer CISLO TITLE, CISLO TITLE CO
Nov 1, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Deed Document Number	201895708
Last Transfer Date	Jan 2, 2019
Transfer Doc	0000001181
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	2180 WHISPERING WATERS PASS, FLUSHING, MI 48433-1790
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003877
Date	Jan 23, 2017
Instrument	201701230003877

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Jan 14, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	2180 WHISPERING WATERS PASS, FLUSHING, MI 48433-1790
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065619
Date	May 8, 2018
Instrument	201805080065619

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Jan 8, 2019
Property Address	2180 WHISPERING WATERS PASS, FLUSHING, MI 48433-1790
Document Number	0000001181
Instrument Date	Jan 2, 2019
Instrument	1181
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2180 WHISPERING WATERS PASS FLUSHING MI 484331790, FLUSHING, MI 48433-1790

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 1, 2018
Property Address	2180 WHISPERING WATERS PASS, FLUSHING, MI 48433-1790
Document Number	0000095708
Instrument Date	Oct 26, 2018
Instrument	95708
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,265.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	437 CALKINS RD FLINT MI 48532, FLINT, MI 48532

Mortgage

Document Number	95709
Date	Nov 1, 2018
Instrument	95709

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2180 Whispering Waters Pass was $10,473 with a homeowner's exemption, up 2.9% from the year before.

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Clayton Charter Township
Unified School District	Flushing Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$329,800 (-1.23%)	$659,600 (-1.23%)
2025	$10,473.00 (+2.89%) Homeowner's exemption	$333,900	$667,800
2024	$10,179.00
2023		$304,900	$609,800
2021	$8,833.00

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

Flood

FEMA maps place 2180 Whispering Waters Pass in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1982–1996)
Most Recent Claim	May 1996 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2180 Whispering Waters Pass 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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