2357 Spencer Dr, Jackson, MI 49202 Property Records

Jackson County property record for 2357 Spencer Dr, Jackson, MI 49202

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,254 sqft
Lot Size	0.318 acres (13,852 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (May 2018)
Tax Bill	$1,011 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000-08-29-205-009-00`

Property Details

APN / Parcel Number

Primary APN	`000-08-29-205-009-00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	1,254 sqft
Basement Area	1,254 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	13,852 sqft (0.318 acres)
Lot Dimensions	129 ft deep x 107 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2357 SPENCER DR
City	JACKSON
State	MI
Zip	49202-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	LOT 29 CHARMIN HIGHLANDS DDA
Legal Subdivision	CHARMIN HIGHLANDS SUBIVISION
Legal Lot Number	29
Legal Unit	29
Jurisdiction	JACKSON MI
Township / Civil Division	BLACKMAN
Census Block Group	1
Census Block	1002
Census Tract	5501

Owner

Source: Jackson County records, as of June 29, 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	2357 SPENCER DR, JACKSON, MI 49202-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage OCEANSIDE MORTGAGE CO OCEANSIDE MORTGAGE CO
Mar 19, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG
Jul 19, 2019	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG
May 7, 2018	Warranty Deed, Transfer · FHA Mortgage MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2018 · Amount on Record
Deed Sale	May 7, 2018 · Amount on Record
Deed Document Number	20182795986
Deed Book / Page	2120 / 798
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	2357 SPENCER DR, JACKSON, MI 49202-1219
Document Number	0002869316
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2357 SPENCER DR JACKSON MI 492021219, JACKSON, MI 49202-1219

Mortgage

Document Number	0002869316
Date	Jan 5, 2021
Book Page	002177/000026
Instrument	2869316

Lender

Name	OCEANSIDE MORTGAGE CO OCEANSIDE MORTGAGE CO
Type	Bank

Agreement

Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	2357 SPENCER DR, JACKSON, MI 49202-1219
Document Number	0002846514
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2357 SPENCER DR JACKSON MI 492021219, JACKSON, MI 49202-1219

Mortgage

Document Number	0002846514
Date	Mar 27, 2020
Book Page	002159/000625
Instrument	2846514

Lender

Name	OCEANSIDE MTG
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	2357 SPENCER DR, JACKSON, MI 49202-1219
Document Number	0002828063
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2357 SPENCER DR JACKSON MI 492021219, JACKSON, MI 49202-1219

Mortgage

Document Number	0002828063
Date	Jul 25, 2019
Book Page	002145/000375
Instrument	2828063

Lender

Name	OCEANSIDE MTG
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	May 7, 2018
Property Address	2357 SPENCER DR, JACKSON, MI 49202-1219
Document Number	0002795986
Book / Page	2120 / 0798
Map Reference	LB18 PG39
Instrument Date	May 3, 2018
Instrument	2795986
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	DEVON TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 WOODLAND AVE, JACKSON, MI 49203-1045

Mortgage

Document Number	0002795987
Date	May 7, 2018
Instrument	2795987

Lender

Name	MB FINANCIAL BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
County Subdivision	Blackman Charter Township
Unified School District	Northwest School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,350 (+16.31%)	$194,700 (+16.31%)
2025	$1,011.00 (-54.42%)	$83,700 (+22.01%)	$167,400 (+22.01%)
2024	$2,218.00 (+6.79%)
2023		$68,600	$137,200
2022	$2,077.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 3, 2010

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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	BLACKMAN TOWNSHIP serves 21,222 people · EPA ID MI0000740
Water Source	Purchased groundwater influenced by surface water from JACKSON
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2025) 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T.

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