338 E Thumb Lake Rd, Vanderbilt, MI 49795 Property Records

Otsego County property record for 338 E Thumb Lake Rd, Vanderbilt, MI 49795

Property Summary

Property Type	Single Family Home
Lot Size	2.28 acres (99,317 sqft)
Owner	Individual Name on Record
Last Sale	$44,329 (Jun 2012)
Tax Bill	$1,233 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Mortgage + 2 more
APN	`043-200-000-004-00`

Property Details

APN / Parcel Number

Primary APN	`043-200-000-004-00`

Exterior

Lot Area	99,317 sqft (2.28 acres)
Lot Dimensions	413 ft deep x 240 ft wide

Location & Zoning

Street Address	338 E THUMB LAKE RD
City	VANDERBILT
State	MI
Zip	49795-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 WOODLAND HILLS SUB T32N R3W
Legal Subdivision	WOODLAND HILLS SUB
Legal Lot Number	4
Jurisdiction	OTSEGO MI
Township / Civil Division	CORWITH
Census Block Group	2
Census Block	2024
Census Tract	950100

Owner

Source: Otsego County records, as of October 22, 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	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Nov 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage COUNTY OF OTSEGO
May 6, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2012 · Amount on Record
Deed Sale	Jun 8, 2012 · Amount on Record
Prior Sale	Jul 30, 2010 · Amount on Record
Deed Book / Page	1289 / 446
Prior Transfer Date	Jul 22, 2010
Prior Transfer Doc	1234/609
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Recording Date	Jul 20, 2026
Property Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759
Document Number	1716000940
Book / Page	1716 / 940
Instrument Date	Jul 14, 2026
Transaction Type	Mortgage
Record Updated	Aug 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759

Mortgage

Document Number	1716000940,
Date	Jul 20, 2026
Book Page	1716/940

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Recording Date	Jul 20, 2026
Property Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759
Document Number	1716000940
Book / Page	1716 / 940
Instrument Date	Jul 14, 2026
Transaction Type	Mortgage
Record Updated	Aug 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759

Mortgage

Document Number	1716000940,
Date	Jul 20, 2026
Book Page	1716/940

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759

Mortgage

Document Number	0000001645/0000000187
Date	Nov 21, 2023
Book Page	0000001645/0000000187

Lender

Name	COUNTY OF OTSEGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2048

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Property Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 E THUMB LAKE RD, VANDERBILT, MI 49795-9759

Mortgage

Document Number	0000001600/0000000533
Date	May 6, 2022
Book Page	0000001600/0000000533

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Otsego County assessment roll, as of October 22, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Otsego County
County Subdivision	Corwith Township
Unified School District	Vanderbilt Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,900 (+4%)	$249,800 (+4%)
2025	$1,233.00 (+8.25%) Homeowner's exemption	$120,100 (+26.69%)	$240,200 (+26.69%)
2024	$1,139.00 (+4.21%)
2023		$94,800	$189,600
2022	$1,093.00

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

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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