3446 W Frances Rd, Clio, MI 48420 Property Records

Genesee County property record for 3446 W Frances Rd, Clio, MI 48420

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft · built 1983
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on File
Last Sale	$197,000 (May 2026)
Tax Bill	$2,297 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-34-300-004`

Property Details

APN / Parcel Number

Primary APN	`18-34-300-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	250 ft deep x 150 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3446 W FRANCES RD
City	CLIO
State	MI
Zip	48420-8537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	E 150 FT OF W 1017.09 FT OF S 250 FT OF W 1/2 OF SW 1/4 SEC 34 T9N R6E (80)
Legal Range	06E
Legal Township	09N
Legal Section	34
Jurisdiction	GENESEE MI
Township / Civil Division	VIENNA
Census Block Group	2
Census Block	2023
Census Tract	10116

Owner

3446 W Frances Rd is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3446 W FRANCES RD, CLIO, MI 48420-8537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit THE DART BANK
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage TEAM ONE CREDIT UNION
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage TEAM ONE CREDIT UNION
Jan 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE DART BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Aug 5, 2010 · Amount on File
Deed Document Number	202633895
Prior Transfer Date	Dec 23, 2020
Prior Transfer Doc	0000002094
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	3446 W FRANCES RD, CLIO, MI 48420-8537
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 W FRANCES RD, CLIO, MI 48420-8537

Mortgage

Document Number	0000003571
Date	Feb 17, 2026
Instrument	202602170003571

Lender

Name	THE DART BANK
Type	Bank
Address	LANSING, MI 48912

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	May 22, 2026
Property Address	3446 W FRANCES RD, CLIO, MI 48420-8537
Document Number	0000033895
Instrument Date	May 15, 2026
Instrument	202633895
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171,114.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 W FRANCES RD, CLIO, MI 48420-8537
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033322,
Date	May 22, 2026
Instrument	20261933322

Lender

Name	TEAM ONE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Recording Date	May 19, 2026
Property Address	3446 W FRANCES RD, CLIO, MI 48420-8537
Document Number	0000033322
Instrument Date	May 15, 2026
Instrument	202633322
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10470 N LINDEN RD, CLIO, MI 48420-8500
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033322,
Date	May 19, 2026
Instrument	202633322

Lender

Name	TEAM ONE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Jan 7, 2021
Property Address	3446 W FRANCES RD, CLIO, MI 48420-8537
Document Number	202101070002094
Instrument Date	Dec 23, 2020
Instrument	202101070002094
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 W FRANCES RD, CLIO, MI 48420-8537

Mortgage

Document Number	202101070002095
Date	Jan 7, 2021
Instrument	202101070002095

Lender

Name	THE DART BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3446 W Frances Rd was $2,297 with a homeowner's exemption, up 3.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Vienna Charter Township
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,500 (+6.87%)	$193,000 (+6.87%)
2025	$2,297.00 (+3.56%) Homeowner's exemption	$90,300	$180,600
2024	$2,218.00
2023		$76,000	$152,000
2019	$1,747.00

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.

Flood

FEMA maps place 3446 W Frances Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3446 W Frances Rd 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 94% of the US · lower than 87% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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