322 Oak St, Mount Morris, MI 48458 Property Records

Genesee County property record for 322 Oak St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1 ba · 750 sqft · built 1940
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on File
Last Sale	$69,000 (Oct 2022)
Tax Bill	$1,946 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-12-527-158`

Property Details

APN / Parcel Number

Primary APN	`57-12-527-158`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	750 sqft Living Area
1st Floor Area	732 sqft
Basement Area	624 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	100 ft deep x 110 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	322 OAK ST
City	MOUNT MORRIS
State	MI
Zip	48458-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	LOTS 195 AND 196 PLAT OF BUENA VISTA
Legal Subdivision	PLAT
Legal Lot Number	195-196
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2025
Census Tract	12310

Owner

322 Oak St is owned and occupied by an individual who bought it in October 2022.

Source: Genesee County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	322 OAK ST, MOUNT MORRIS, MI 48458-1929
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
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage LEGACY BANK
Jul 13, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SOUTHWEST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on File
Deed Sale	Oct 31, 2022 · Amount on File
Prior Sale	Jul 13, 2017 · Amount on File
Deed Document Number	202269651
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 31, 2022
Property Address	322 OAK ST, MOUNT MORRIS, MI 48458-1929
Document Number	0000069651
Map Reference	LB 5 PG 32
Instrument Date	Oct 17, 2022
Instrument	202210310069651
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 OAK ST, 322, MOUNT MORRIS, MI 48458-1929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 OAK ST, MOUNT MORRIS, MI 48458-1929

Mortgage

Document Number	0000069652
Date	Oct 31, 2022
Instrument	202210310069652

Lender

Name	LEGACY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 13, 2017
Property Address	322 OAK ST, MOUNT MORRIS, MI 48458-1929
Document Number	0000049517
Map Reference	LB5 PG32
Instrument Date	Jul 7, 2017
Instrument	201707130049517
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 OAK ST, 322, MOUNT MORRIS, MI 48458-1929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 SUNNYSIDE DR, FLUSHING, MI 48433-1801

Mortgage

Document Number	0000049518
Date	Jul 13, 2017
Instrument	201707130049518

Lender

Name	AMERICAN SOUTHWEST MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 322 Oak St was $1,946 with a homeowner's exemption, up 2% from the year before.

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Mount Morris City
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,700 (+14.26%) Land $3,900 Building $49,800	$107,400 (+14.26%) Land $7,800 Building $99,600
2025	$1,946.00 (+2.05%) Homeowner's exemption	$47,000	$94,000
2024	$1,907.00
2023		$36,600	$73,200
2021	$1,072.00

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

Flood

FEMA maps place 322 Oak St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 322 Oak St 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 98% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOUNT MORRIS serves 3,086 people · EPA ID MI0004520
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak St

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