2454 E Lake Rd, Clio, MI 48420 Property Records

Genesee County property record for 2454 E Lake Rd, Clio, MI 48420

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,688 sqft · built 1977
Lot Size	10.1 acres (441,263 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Sep 2024)
Tax Bill	$5,086 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-08-200-015`

Property Details

APN / Parcel Number

Primary APN	`17-08-200-015`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,688 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	441,263 sqft (10.1 acres)
Garage Area	1,612 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2454 E LAKE RD
City	CLIO
State	MI
Zip	48420-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE
Legal Description	A PARCEL OF LAND BEG 600.02 FT W OF NE COR OF SEC TH S 300 FT TH E 300 FT TH S 1028.82 FT TH W 399.99 FT TH N 1327.22 FT TH E
Legal Range	07E
Legal Township	09N
Legal Section	08
Jurisdiction	GENESEE MI
Township / Civil Division	THETFORD
Census Block Group	1
Census Block	1005
Census Tract	12504

Owner

Source: Genesee County records, as of October 2, 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 Record
Mailing Address	2454 E LAKE RD, CLIO, MI 48420-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK
Jul 8, 2021	Warranty Deed, Transfer · FHA Mortgage LEGACY MORTGAGE
Jul 24, 2019	Warranty Deed, Transfer · Conventional with PMI FRANKENMUTH CU
Jan 16, 2018	Quit Claim Deed, Transfer · Conventional with PMI ELGA CU
Jan 16, 2018	Quit Claim Deed, Transfer DEVON TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2024 · Amount on Record
Deed Sale	Sep 17, 2024 · Amount on Record
Prior Sale	Jul 8, 2021 · Amount on Record
Deed Document Number	202448265
Prior Transfer Date	Jan 8, 2018
Prior Transfer Doc	0000002606
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	2454 E LAKE RD, CLIO, MI 48420-2604
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	CRISLO TITLE COMPANY, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2454 E LAKE RD, CLIO, MI 48420-2604

Mortgage

Document Number	202106170055978
Date	Jun 17, 2021
Instrument	202106170055978

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.2%
Index	1-Year CMT
Max Rate	10.2%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 8, 2021
Property Address	2454 E LAKE RD, CLIO, MI 48420-2604
Document Number	202107080060316
Instrument Date	Jun 18, 2021
Instrument	202107080060316
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,053.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2454 EAST LAKE ROAD, 2454, FREMONT, OH 43420

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10430 PINEWOOD DR, GOODRICH, MI 48438-9214

Mortgage

Document Number	202107080060317
Date	Jul 8, 2021
Instrument	202107080060317

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 24, 2019
Property Address	2454 E LAKE RD, CLIO, MI 48420-2604
Document Number	0000050775
Instrument Date	Jun 27, 2019
Instrument	50775
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2454 E LAKE RD CLIO MI 484202604, CLIO, MI 48420-2604

Mortgage

Document Number	50776
Date	Jul 24, 2019
Instrument	50776

Lender

Name	FRANKENMUTH CU
Type	Credit Union
Address	FRANKENMUTH, MI 48734

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Jan 16, 2018
Property Address	2454 E LAKE RD, CLIO, MI 48420-2604
Document Number	0000002607
Instrument Date	Jan 8, 2018
Instrument	2607
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	DEVON TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2454 E LAKE RD CLIO MI 484202604, CLIO, MI 48420-2604

Mortgage

Document Number	2608
Date	Jan 16, 2018
Instrument	2608

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 15, 2033

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Jan 16, 2018
Property Address	2454 E LAKE RD, CLIO, MI 48420-2604
Document Number	0000002606
Instrument Date	Jan 8, 2018
Instrument	2606
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	DEVON TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2454 E LAKE RD CLIO MI 484202604, CLIO, MI 48420-2604

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$162,300 (+1.44%) Land $27,400 Building $134,900	$324,600 (+1.44%) Land $54,800 Building $269,800
2025	$5,086.00 (+14.04%) Homeowner's exemption	$160,000 (+15.03%)	$320,000 (+15.03%)
2024	$4,460.00 (-28.82%)
2023		$139,100	$278,200
2022	$6,266.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective February 19, 2024

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 97% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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