3428 N Elms Rd, Flushing, MI 48433 Property Records

Genesee County property record for 3428 N Elms Rd, Flushing, MI 48433

Property Summary

Property Type	Single Family Home
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on Record
Last Sale	$184,900 (May 2021)
Tax Bill	$5,948 (2025)
Deeds & Mortgages	Oct 2023 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-31-504-008`

Property Details

APN / Parcel Number

Primary APN	`14-31-504-008`

Exterior

Lot Area	38,333 sqft (0.88 acres)

Location & Zoning

Street Address	3428 N ELMS RD
City	FLUSHING
State	MI
Zip	48433-1860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 ELM ACRES SEC 31 T8N R6E
Legal Range	06E
Legal Township	08N
Legal Section	31
Legal Subdivision	ELM ACRES SUBDIVISION
Legal Lot Number	8
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	3
Census Block	3007
Census Tract	10502

Owner

Source: Genesee County records, as of October 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	3428 N ELMS RD, FLUSHING, MI 48433-1860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 10, 2021	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 2, 2020	Warranty Deed, Transfer CISLO TITLE, CISLO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Aug 15, 2014 · Amount on Record
Deed Document Number	202147730
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	0000070623
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	3428 N ELMS RD, FLUSHING, MI 48433-1860
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3428 N ELMS RD, FLUSHING, MI 48433-1860

Mortgage

Document Number	0000054996
Date	Oct 19, 2023
Instrument	202310190054996

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	EDGEWOOD, MD 21040

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	May 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	May 10, 2021
Property Address	3428 N ELMS RD, FLUSHING, MI 48433-1860
Document Number	202105100047730
Map Reference	LB 26 PG 10
Instrument Date	Apr 21, 2021
Instrument	202105100047730
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3428 N ELMS RD, 3428, FLUSHING, MI 48433-1860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3428 N ELMS RD, FLUSHING, MI 48433-1860

Mortgage

Document Number	202105100047731
Date	May 10, 2021
Instrument	202105100047731

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 2, 2020
Property Address	3428 N ELMS RD, FLUSHING, MI 48433-1860
Document Number	0000068052
Instrument Date	Sep 25, 2020
Instrument	68052
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$688.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Mount Morris Township
Unified School District	Flushing Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,900 (+11.85%)	$239,800 (+11.85%)
2025	$5,948.00 (+2.6%)	$107,200 (+11.67%)	$214,400 (+11.67%)
2024	$5,797.00 (+128.86%)
2023		$96,000	$192,000
2019	$2,533.00

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, 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

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.

Drinking Water

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

Water System	GENESEE COUNTY WATER SYSTEM serves 73,726 people · EPA ID MI0002615
Water Source	Purchased surface water from KAREGNONDI WATER AUTHORITY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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