2489 N Smith Rd, Eaton Rapids, MI 48827 Property Records

Eaton County property record for 2489 N Smith Rd, Eaton Rapids, MI 48827

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,128 sqft · built 1960
Lot Size	2.87 acres (125,017 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Oct 2020)
Tax Bill	$2,304 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`08003440004100`

Property Details

APN / Parcel Number

Primary APN	`08003440004100`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	125,017 sqft (2.87 acres)
Garage Area	480 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2489 N SMITH RD
City	EATON RAPIDS
State	MI
Zip	48827-9323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	COM E 1/4 COR SEC 34 FOR POB; S0?04'29"W 177 FT; N89?38'21"W 708 FT; N0?04'29"E 177 FT; S89?38'21"E 708 FT TO POB. SUBJ TO ALL EASEMENTS & RESTRICTIONS IF ANY. SEC 34, T3N,R3W, WINDSOR TWP. 7-1-03 (APPROVED PARCEL A)
Legal Range	03W
Legal Township	03N
Legal Section	34
Jurisdiction	EATON MI
Township / Civil Division	WINDSOR
Census Block Group	1
Census Block	1040
Census Tract	21402

Owner

2489 N Smith Rd is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2489 N SMITH RD, EATON RAPIDS, MI 48827-9323
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Deed Book / Page	2878 / 739
Prior Transfer Date	Aug 18, 2003
Prior Transfer Doc	1730000375
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Oct 23, 2020
Property Address	2489 N SMITH RD, EATON RAPIDS, MI 48827-9323
Document Number	002878/739
Book / Page	2878 / 739
Instrument Date	Oct 16, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4321 ANDERSON DR, 4321, ALBION, MI 49224-8502

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002878742
Date	Oct 23, 2020
Instrument	2878/742

Lender

Name	THE DART BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2489 N Smith Rd was $2,304 with a homeowner's exemption.

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
County Subdivision	Windsor Charter Township
Unified School District	Eaton Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,200	$153,245 Land $59,815 Building $93,430
2025	$2,304.00
2023		$65,000	$130,000
2022	$2,332.00

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

Flood

FEMA maps place 2489 N Smith Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force

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 2489 N Smith Rd 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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