220 E Oak St, Elsie, MI 48831 Property Records

Clinton County property record for 220 E Oak St, Elsie, MI 48831

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,848 sqft · built 1900
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Mar 2023)
Tax Bill	$825 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`061-200-004-010-00`

Property Details

APN / Parcel Number

Primary APN	`061-200-004-010-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
1st Floor Area	1,119 sqft
Basement Area	729 sqft
Unfinished Basement	729 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	165 ft deep x 99 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	211 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	220 E OAK ST
City	ELSIE
State	MI
Zip	48831-5108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOTS 10 & 11, BLOCK 4, VANDEUSENS ADD TO VILLAGE OF ELSIE. (1984 SOLAR, G83-02078, $2350).
Legal Subdivision	VANDEUSENS ADD
Legal Block	4
Legal Lot Number	10-11
Jurisdiction	CLINTON MI
Township / Civil Division	DUPLAIN
Census Block Group	1
Census Block	1032
Census Tract	10702

Owner

Source: Clinton County records, as of June 2, 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 Record
Mailing Address	220 E OAK ST, ELSIE, MI 48831-5108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
Jun 8, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2023 · Amount on Record
Deed Sale	Mar 29, 2023 · Amount on Record
Prior Sale	Feb 2, 2021 · Amount on Record
Deed Document Number	20235333881
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Mar 29, 2023
Property Address	220 E OAK ST, ELSIE, MI 48831-5108
Document Number	0005333881
Map Reference	LB 1 PG 1
Instrument Date	Mar 24, 2023
Instrument	5333881
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 E OAK ST, ELSIE, MI 48831-5108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5519 LAKEVIEW DR, PERRY, MI 48872-9157

Mortgage

Document Number	0005333882
Date	Mar 29, 2023
Instrument	5333882

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	220 E OAK ST, ELSIE, MI 48831-5108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5297938
Date	Sep 15, 2020
Instrument	5297938

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Feb 2, 2021
Property Address	220 E OAK ST, ELSIE, MI 48831-5108
Document Number	5304710
Map Reference	LB 1 PG 1
Instrument Date	Jan 25, 2021
Instrument	5304710
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,144.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 E OAK ST, 220, ELSIE, MI 48831-5108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	691 N PARKER RD, DEXTER, MI 48130-9743

Mortgage

Document Number	5304711
Date	Feb 2, 2021
Instrument	5304711

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Jun 8, 2018
Property Address	220 E OAK ST, ELSIE, MI 48831-5108
Document Number	5267768
Map Reference	LB1 PG1
Instrument Date	Jun 6, 2018
Instrument	5267768
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 45, ELSIE, MI 48831-0045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 W ELM ST, OVID, MI 48866-9609

Mortgage

Document Number	5267769
Date	Jun 8, 2018
Instrument	5267769

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLINTON MI
Recording Date	Feb 6, 2017
Property Address	220 E OAK ST, ELSIE, MI 48831-5108
Document Number	0005250425
Instrument Date	Feb 6, 2017
Instrument	5250425
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$172.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 712, OWOSSO, MI 48867-0712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3281 E FRENCH RD, SAINT JOHNS, MI 48879-9075

Tax Assessment & Valuation

Source: Clinton County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Duplain Township
Municipality	Elsie Village
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$84,900 (-2.64%) Land $4,600 Building $80,300	$169,800 (-2.64%) Land $9,200 Building $160,600
2025	$825.00 (-60.92%) Homeowner's exemption	$87,200 (+26.01%) Land $4,600 Building $82,600	$174,400 (+26.01%) Land $9,200 Building $165,200
2024	$2,111.00 (+12.53%)
2023	$1,876.00 Homeowner's exemption	$69,200	$138,400
2022	$1,876.00

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 May 3, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% 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	VILLAGE OF ELSIE serves 930 people · EPA ID MI0002120
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2021
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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

220 E Oak St, Elsie, MI 48831 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Oak St

Nearby Streets

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