Clinton County property record for 249 E Elm St, Elsie, MI 48831
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,186 sqft · built 1900 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,800 (May 2026) |
| Tax Bill | $284 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Dec 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-200-010-006-00 |
| Primary APN | 061-200-010-006-00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,186 sqft Living Area |
| 1st Floor Area | 1,186 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 363 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 105 sqft |
| Deck Area | Deck Area |
| Heating System | Space Heater |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 249 E ELM ST |
|---|---|
| City | ELSIE |
| State | MI |
| Zip | 48831-5134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | BEG AT SE COR OF LOT 6, BLK 10, VANDEUSENS ADD TO VILLAGE OF ELSIE, TH N 20 RDS W 4 RDS, S 20 RDS, E 4 RDS TO BEG, BEING LOT |
| Legal Subdivision | VANDEUSENS ADD |
| Legal Block | 10 |
| Legal Lot Number | 1-2,6 |
| Jurisdiction | CLINTON MI |
| Township / Civil Division | DUPLAIN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 10702 |
Source: Clinton County records, as of June 2, 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 | 4634 N WATSON RD, ELSIE, MI 48831-9755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 6, 2017 | Deed of Trust, Mortgage · ARM MERCANTILE BANK OF MICHIGAN |
| Dec 6, 2024 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| May 4, 2026 | Warranty Deed, Transfer · FHA Mortgage NATIONAL HOME MORTGAGE CORPORATION |
| Mar 13, 2018 | Warranty Deed, Transfer |
| Mar 18, 2016 | Warranty Deed, Transfer · Construction Mortgage MERCANTILE BANK OF MICHIGAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Mar 13, 2018 · Amount on Record |
| Deed Document Number | 20265364369 |
| Prior Transfer Date | Jan 20, 2006 |
| Prior Transfer Doc | 5094870 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MI |
| Property Address | 249 E ELM ST, ELSIE, MI 48831-5134 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005249554 |
|---|---|
| Date | Jan 6, 2017 |
| Instrument | 5249554 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49504 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6.62% |
| Index | 1-Year LIBOR |
| Margin | 4 |
| Max Rate | 9.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON MI |
| Property Address | 249 E ELM ST, ELSIE, MI 48831-5134 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 249 E ELM ST, ELSIE, MI 48831-5134 |
| Document Number | 0005349911 |
|---|---|
| Date | Dec 6, 2024 |
| Instrument | 5349911 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 2, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON MI |
| Recording Date | May 4, 2026 |
| Property Address | 249 E ELM ST, ELSIE, MI 48831-5134 |
| Document Number | 0005364369 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.5364369 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | RED CEDAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $113,612.88 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4634 N WATSON RD, ELSIE, MI 48831-9755 |
| Document Number | 0005364276, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 2026.5364276 |
| Name | NATIONAL HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON MI |
| Recording Date | Mar 13, 2018 |
| Property Address | 249 E ELM ST, ELSIE, MI 48831-5134 |
| Document Number | 5264430 |
| Map Reference | MB1 PG1 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 5264430 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $546.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 167 SW WARREN AVE, 167, MADISON, FL 32340-4330 |
| Name | Verified Name |
|---|---|
| Address | 160 AUTUMN LAND, LANSING, MI 48709 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON MI |
| Recording Date | Mar 18, 2016 |
| Property Address | 249 E ELM ST, ELSIE, MI 48831-5134 |
| Document Number | 5238630 |
| Map Reference | MB1 PG1 |
| Instrument Date | Feb 29, 2016 |
| Instrument | 5238630 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | MIDSTATE TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $129.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 W STEEL ST, 201, SAINT JOHNS, MI 48879-1235 |
| Name | Verified Name |
|---|
| Document Number | 0005238631 |
|---|---|
| Date | Mar 18, 2016 |
| Instrument | 5238631 |
| Name | MERCANTILE BANK OF MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49504 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 28, 2017 |
Source: Clinton County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Clinton County |
| County Subdivision | Duplain Township |
| Municipality | Elsie Village |
| Unified School District | Ovid-Elsie Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,100 (-2.56%) Land $3,400 Building $53,700 | $114,200 (-2.56%) Land $6,800 Building $107,400 | |
| 2025 | $284.00 (-60.88%) Homeowner's exemption | $58,600 (+27.67%) Land $3,400 Building $55,200 | $117,200 (+27.67%) Land $6,800 Building $110,400 |
| 2024 | $726.00 (+12.56%) | ||
| 2023 | $645.00 Homeowner's exemption | $45,900 | $91,800 |
| 2022 | $645.00 |
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.
Source: FEMA National Flood Hazard Layer, effective May 3, 2011
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF ELSIE serves 930 people · EPA ID MI0002120 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Jan 2021 |
| 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.
Source: FCC Broadband Data Collection, based on 307 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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