334 Prospect St, Ovid, MI 48866 Property Records

Shiawassee County property record for 334 Prospect St, Ovid, MI 48866

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,504 sqft · built 1900
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Apr 2020)
Tax Bill	$2,052 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-50-003-003`

Property Details

APN / Parcel Number

Primary APN	`005-50-003-003`
Alternative APN	`0055000300300`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,504 sqft Heated Area
1st Floor Area	936 sqft
Basement Area	160 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	23,087 sqft (0.53 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	334 PROSPECT ST
City	OVID
State	MI
Zip	48866-9581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	MABBITT'S ADD TO OVID E 66 23 FT OF LOT 5 & W 50 FT OF LOT 6 BLK 3
Legal Subdivision	MABBITTS ADD
Legal Block	3
Legal Lot Number	5-6
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	MIDDLEBURY
Census Block Group	3
Census Block	3013
Census Tract	30200

Owner

334 Prospect St is owned and occupied by an individual who acquired it in May 2025.

Source: Shiawassee County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	334 PROSPECT ST, OVID, MI 48866-9581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Nov 16, 2021	Deed of Trust, Mortgage · USDA Mortgage UNION HOME MORTGAGE CORP
Apr 15, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2020 · Amount on File
Deed Sale	Apr 15, 2020 · Amount on File
Prior Sale	May 4, 2016 · Amount on File
Deed Document Number	20203331892
Deed Book / Page	1268 / 250
Last Transfer Date	May 24, 2025
Transfer Doc	0013270932
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	334 PROSPECT ST, OVID, MI 48866-9581
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	334 PROSPECT ST, OVID, MI 48866-9581

Mortgage

Document Number	0012890690
Date	Nov 16, 2021
Book Page	1289/690
Instrument	3353523

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Apr 15, 2020
Property Address	334 PROSPECT ST, OVID, MI 48866-9581
Document Number	0012680250
Book / Page	1268 / 250
Map Reference	LB 27 PG 641
Instrument Date	Apr 9, 2020
Instrument	3331892
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$862.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	334 PROSPECT ST, 334, OVID, MI 48866-9581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 COLLEGIATE WAY APT 212, 212, MOUNT PLEASANT, MI 48858-7222

Mortgage

Document Number	3331893
Date	Apr 15, 2020
Instrument	3331893

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 334 Prospect St was $2,052 with a homeowner's exemption, up 3% from the year before.

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Middlebury Township
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,900 (+4.37%)	$157,800 (+4.37%)
2025	$2,052.00 (+2.96%) Homeowner's exemption	$75,600	$151,200
2024	$1,993.00 (+9.75%)
2023	$1,816.00 Homeowner's exemption	$63,100	$126,200

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

Flood

FEMA maps place 334 Prospect St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

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 334 Prospect 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 97% of the US · lower than 93% 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.

Drinking Water

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

Water System	CITY OF OVID serves 1,612 people · EPA ID MI0005100
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: DayStarr.

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