2445 E Lake Rd, Clio, MI 48420 Property Records

Genesee County property record for 2445 E Lake Rd, Clio, MI 48420 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,108 sqft · built 2003
Lot Size	5.04 acres (219,542 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2026)
Tax Bill	$1,178 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-05-400-037`

Property Details

APN / Parcel Number

Primary APN	`17-05-400-037`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,108 sqft Living Area
1st Floor Area	2,108 sqft
Basement Area	2,108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Modular
Lot Area	219,542 sqft (5.04 acres)
Garage Area	2,976 sqft
Parking Spaces	10 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2445 E LAKE RD
City	CLIO
State	MI
Zip	48420-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW 1/4 OF SE 1/4 OF SE 1/4 EXC W 250 FT ALSO EXC S 300 FT OF E 170 FT OF W 190 FT OF E 410 FT SEC 5 T9N R7E (03) 5.04 A FR
Legal Range	07E
Legal Township	09N
Legal Section	05
Jurisdiction	GENESEE MI
Township / Civil Division	THETFORD
Census Block Group	1
Census Block	1001
Census Tract	12504

Owner

Source: Genesee County records · APN 17-05-400-037

Assessment roll updated October 3, 2025 · Last verified August 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	3115 PINE RUN DR, SWARTZ CREEK, MI 48473-8632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage ICON MORTGAGE LENDING
Mar 03, 2026	Intrafamily Transfer, Transfer
Feb 23, 2026	Intrafamily Transfer, Transfer
May 05, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Deed Document Number	2026071743228
Prior Transfer Date	Dec 29, 2008
Prior Transfer Doc	0000004041
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 17, 2026
Property Address	2445 E LAKE RD, CLIO, MI 48420-2604
Document Number	0000043228
Instrument Date	Jul 15, 2026
Instrument	202643228
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	MASON BURGESS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$347,440.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 PINE RUN DR, SWARTZ CREEK, MI 48473-8632

Mortgage

Document Number	0000043229,
Date	Jul 17, 2026
Instrument	20261743229

Lender

Name	ICON MORTGAGE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Mar 03, 2026
Property Address	2445 E LAKE RD, CLIO, MI 48420-2604
Document Number	0000006166
Instrument Date	Feb 13, 2026
Instrument	202603030006166
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2445 E LAKE RD, CLIO, MI 48420-2604

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Feb 23, 2026
Property Address	2445 E LAKE RD, CLIO, MI 48420-2604
Document Number	0000005250
Instrument Date	Feb 13, 2026
Instrument	202602230005250
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 E LAKE RD, CLIO, MI 48420-2604

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	2445 E LAKE RD, CLIO, MI 48420-2604
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 E LAKE RD, CLIO, MI 48420-2604

Mortgage

Document Number	0000031198
Date	May 05, 2023
Instrument	202305050031198

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Thetford Township
Unified School District	Clio Area School District (PK - 12)

Tax Bill & Assessment History

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	$1,178.00 (-63.75%) Homeowner's exemption	$170,300 (+13.61%)	$340,600 (+13.61%)
2024	$3,250.00 (+11.68%)
2023		$149,900	$299,800
2022	$2,910.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 25 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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