Genesee County property record for 232 E State St, Montrose, MI 48457
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,326 sqft · built 1940 |
| Lot Size | 0.188 acres (8,189 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Sep 2025) |
| Tax Bill | $2,133 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Sep 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-21-100-004 |
| Primary APN | 60-21-100-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Basement Area | 676 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 8,189 sqft (0.188 acres) |
| Lot Dimensions | 164 ft deep x 50 ft wide |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 232 E STATE ST |
|---|---|
| City | MONTROSE |
| State | MI |
| Zip | 48457-9004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A PARCEL OF LAND BEG AT NW COR OF NE 1/4 OF NW 1/4 OF SEC 21 TH S 197 FT TH E 50 FT TH N 197 FT TH W 50 FT TO PLACE OF BEG |
| Legal Range | 05E |
| Legal Township | 09N |
| Legal Section | 21 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | MONTROSE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12602 |
Source: Genesee County records · APN 60-21-100-004
Assessment roll updated October 3, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Sep 17, 2025 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 19, 2022 | Intrafamily Transfer, Transfer |
| May 03, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| May 10, 2022 | Warranty Deed, Transfer |
| Sep 06, 2018 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on Record |
| Deed Sale | Sep 17, 2025 · Amount on Record |
| Prior Sale | May 10, 2022 · Amount on Record |
| Deed Document Number | 202512466 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 17, 2025 |
| Property Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Document Number | 0000012466 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 202509170012466 |
| Transaction Type | Transfer |
| Record Updated | Oct 07, 2025 |
| Title Company | LOYAL TITLE, ROYAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6245 SEYMOUR RD, SWARTZ CREEK, MI 48473-7628 |
| Name | Verified Name |
|---|---|
| Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Document Number | 0000012467 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 202509170012467 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 19, 2022 |
| Property Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Document Number | 0000062005 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 202209190062005 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6245 SEYMOUR RD, 6245, SWARTZ CREEK, MI 48473-7628 |
| Name | Verified Name |
|---|---|
| Address | 6245 SEYMOUR RD, SWARTZ CREEK, MI 48473-7628 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Title Company | CRISLO TITLE COMPANY, CISLO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 6245 SEYMOUR RD, SWARTZ CREEK, MI 48473-7628 |
| Document Number | 0000035816 |
|---|---|
| Date | May 03, 2022 |
| Instrument | 202205030035816 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | May 10, 2022 |
| Property Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Document Number | 0000037207 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 202205100037207 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $667.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7528 OLCOTT AVE, 7528, HAMMOND, IN 46323-2611 |
| Name | Verified Name |
|---|---|
| Address | 2168 FOX HILL DR, GRAND BLANC, MI 48439-5221 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 232 E STATE ST, MONTROSE, MI 48457-9004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000085565 |
|---|---|
| Date | Sep 06, 2018 |
| Instrument | 201809060085565 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 28, 2048 |
Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Montrose City |
| Unified School District | Montrose Community Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,133.00 (-49.4%) | $58,700 (+14.87%) | $117,400 (+14.87%) |
| 2024 | $4,215.00 (+123.84%) | ||
| 2023 | $51,100 | $102,200 | |
| 2019 | $1,883.00 |
Source: FEMA National Flood Hazard Layer as of February 19, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 105 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MONTROSE serves 1,657 people |
|---|---|
| Water Source | Purchased surface water from GENESEE COUNTY WATER SYSTEM |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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