229 E Front St, Ovid, MI 48866 Property Records

Clinton County property record for 229 E Front St, Ovid, MI 48866

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1900
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$81,600 (Aug 2019)
Tax Bill	$921 (2025)
Deeds & Mortgages	Mar 2026 Transfer Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`580-000-011-011-00`

Property Details

APN / Parcel Number

Primary APN	`580-000-011-011-00`
Alternative APN	`12100001101100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,312 sqft Living Area
1st Floor Area	928 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Slab
Porch Area	144 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	229 E FRONT ST
City	OVID
State	MI
Zip	48866-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA -1
Legal Description	LOTS 11, 12, & 13, BLK. 11, OVID.
Legal Subdivision	VILLAGE OF OVID
Legal Block	11
Legal Lot Number	11-13
Jurisdiction	CLINTON MI
Township / Civil Division	OVID
Census Block Group	3
Census Block	3004
Census Tract	11001

Owner

229 E Front St is owned and occupied by two individuals who bought it in August 2019.

Source: Clinton County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	229 E FRONT ST, OVID, MI 48866-9714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Mar 19, 2026	Intrafamily Transfer, Transfer
Feb 7, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 27, 2019	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Aug 27, 2019	Warranty Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2019 · Amount on File
Deed Sale	Aug 27, 2019 · Amount on File
Prior Sale	Oct 31, 2006 · Amount on File
Deed Document Number	20195282941
Prior Transfer Date	Jun 22, 2013
Prior Transfer Doc	0005203391
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON MI
Recording Date	Mar 19, 2026
Property Address	229 E FRONT ST, OVID, MI 48866-9714
Document Number	0005362728
Instrument Date	Jun 12, 2025
Instrument	5362728
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 E FRONT ST, OVID, MI 48866-9714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3058 S SHEPARDSVILLE RD, OVID, MI 48866-9646

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	229 E FRONT ST, OVID, MI 48866-9714
Transaction Type	Mortgage
Record Updated	Feb 23, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E FRONT ST, OVID, MI 48866-9714

Mortgage

Document Number	0005332729
Date	Feb 7, 2023
Instrument	5332729

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Aug 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON MI
Property Address	229 E FRONT ST, OVID, MI 48866-9714
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 E FRONT ST, OVID, MI 48866-9714

Mortgage

Document Number	5316956
Date	Oct 22, 2021
Instrument	5316956

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Aug 27, 2019
Property Address	229 E FRONT ST, OVID, MI 48866-9714
Document Number	5282941
Map Reference	LB 21 PG 367
Instrument Date	Aug 21, 2019
Instrument	5282941
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$705.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1199 LONDOLYN TER W, 1199, TRAVERSE CITY, MI 49686-8552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 W PARK ST, SAINT JOHNS, MI 48879-1755

Mortgage

Document Number	5282942
Date	Aug 27, 2019
Instrument	5282942

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON MI
Recording Date	Aug 27, 2019
Property Address	229 E FRONT ST, OVID, MI 48866-9714
Document Number	0005282941
Map Reference	LB 21 PG 367
Instrument Date	Aug 21, 2019
Instrument	5282941
Transaction Type	Transfer
Record Updated	Apr 22, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$705.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1199 LONDOLYN TER W, TRAVERSE CITY, MI 49686-8552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 W PARK ST, SAINT JOHNS, MI 48879-1755

Mortgage

Document Number	0005282942
Date	Aug 27, 2019
Instrument	5282942

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 229 E Front St was $921 with a homeowner's exemption, down 30.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
Municipality	Ovid City
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,700 (+8.16%) Land $8,000 Building $47,700	$111,400 (+8.16%) Land $16,000 Building $95,400
2025	$921.00 (-30.91%) Homeowner's exemption	$51,500 Land $4,200 Building $47,300	$103,000 Land $8,400 Building $94,600
2024	$1,333.00 (+10.99%)
2023	$1,201.00 Homeowner's exemption	$40,600	$81,200
2022	$1,201.00

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

FEMA maps place 229 E Front St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective May 3, 2011 · 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	3 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Oct 1981 · rainfall accumulation

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

The area around 229 E Front St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF OVID serves 1,612 people · EPA ID MI0005100
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 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	4 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: DayStarr.

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