2433 M 76, Sterling, MI 48659 Property Records

Arenac County property record for 2433 M 76, Sterling, MI 48659

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,267 sqft · built 2018
Lot Size	25.3 acres (1,105,553 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,674 (2025)
Deeds & Mortgages	Jul 2018 Refinance Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-0-028-400-015-01`

Property Details

APN / Parcel Number

Primary APN	`005-0-028-400-015-01`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,267 sqft Living Area
1st Floor Area	2,267 sqft
Basement Area	2,267 sqft
Unfinished Basement	2,267 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Lot Area	1,105,553 sqft (25.3 acres)
Garage Area	1,476 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	2433 M 76
City	STERLING
State	MI
Zip	48659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T 19N R4E SEC 28 A PARL OF LAND IN THE S 1/2 OF THE S 1/2 OF SEC.DESC AS BEG AT A PT ON THE N/S 1/4 LN WHICH IS 494.63' N 00D
Legal Range	19N
Legal Township	19N
Legal Section	28
Jurisdiction	ARENAC MI
Township / Civil Division	DEEP RIVER
Census Block Group	3
Census Block	3024
Census Tract	970300

Owner

2433 M 76 is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	2433 M 76, STANDISH, MI 48658-9101
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
Jul 2, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance HORIZON BANK & TRUST CO
Jul 2, 2018	Deed of Trust, Mortgage HORIZON BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARENAC MI
Property Address	2433 M 76, STERLING, MI 48659
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201802306
Date	Jul 2, 2018
Instrument	201802306

Lender

Name	HORIZON BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARENAC MI
Property Address	2433 M 76, STERLING, MI 48659
Transaction Type	Mortgage
Record Updated	Dec 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20180306
Date	Jul 2, 2018
Instrument	20180306

Lender

Name	HORIZON BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record
Term	366 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2433 M 76 was $5,674 with a homeowner's exemption.

Source: Arenac County assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Arenac County
County Subdivision	Deep River Township
Unified School District	Standish-Sterling Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$277,500	$555,000
2025	$5,674.00

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

Flood

FEMA maps place 2433 M 76 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1989.

Source: FEMA National Flood Hazard Layer, effective June 15, 2022 · 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	1 in force
Nearby Flood Claims	2 (1989–1990)
Most Recent Claim	Mar 1990 · river or lake flooding

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

Wildfire risk around 2433 M 76 is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fixed Wireless	1,000 / 500
Starlink Satellite	280 / 30

May also be available: Frontier, Verizon.

Nearby Properties on M 76

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