232 S Elk St, Sandusky, MI 48471 Property Records

Sanilac County property record for 232 S Elk St, Sandusky, MI 48471

Property Summary

Property Type	Single Family Home
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$48,259 (Jul 2020)
Tax Bill	$593 (2025)
Deeds & Mortgages	Mar 2025 Second Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`320-005-100-050-01`

Property Details

APN / Parcel Number

Primary APN	`320-005-100-050-01`

Exterior

Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	259 ft deep x 141 ft wide

Location & Zoning

Street Address	232 S ELK ST
City	SANDUSKY
State	MI
Zip	48471-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T11NR14E SEC 5 COMM 1758 FT S OF NE COR FRL1/4 SEC 5, TH W 137FT, TH N 13FT, TH W 122FT, TH S 103 FT, TH E 259 FT, TH N 90 FT
Legal Subdivision	SECTION 05
Jurisdiction	SANILAC MI
Township / Civil Division	SANDUSKY
Census Block Group	3
Census Block	3046
Census Tract	970900

Owner

232 S Elk St is owned and occupied by two individuals who bought it in July 2020.

Source: Sanilac County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	232 S ELK ST, SANDUSKY, MI 48471-1358
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
Mar 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THUMB BANK & TRUST
Jun 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Prior Sale	Apr 27, 2010 · Amount on File
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANILAC MI
Property Address	232 S ELK ST, SANDUSKY, MI 48471-1358
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 S ELK ST, SANDUSKY, MI 48471-1358

Mortgage

Document Number	001616/825
Date	Mar 17, 2025
Book Page	1616/825

Lender

Name	THUMB BANK & TRUST
Type	Bank
Address	PIGEON, MI 48755

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2035

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANILAC MI
Recording Date	Jun 12, 2017
Property Address	232 S ELK ST, SANDUSKY, MI 48471-1358
Document Number	01339/0794
Book / Page	1339 / 0794
Instrument Date	Jun 11, 2017
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 S ELK ST, SANDUSKY, MI 48471-1358

Tax Assessment & Valuation

The 2025 property tax bill for 232 S Elk St was $593 with a homeowner's exemption, down 75.4% from the year before.

Source: Sanilac County assessment roll, as of July 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Sanilac County
Municipality	Sandusky City
Unified School District	Sandusky Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,400 (-3.44%)	$224,800 (-3.44%)
2025	$593.00 (-75.39%) Homeowner's exemption	$116,400	$232,800
2024	$2,410.00
2023		$88,100	$176,200
2022	$2,217.00

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

Flood

FEMA maps place 232 S Elk St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 9, 2021

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 232 S Elk St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SANDUSKY serves 2,679 people · EPA ID MI0005920
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AVS Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Air Advantage, AT&T.

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