356 Spruce St, Mount Morris, MI 48458 Property Records

Genesee County property record for 356 Spruce St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1957
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$97,000 (Sep 2025)
Tax Bill	$1,013 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`57-12-527-104`

Property Details

APN / Parcel Number

Primary APN	`57-12-527-104`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Foundation Type	Raised
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	356 SPRUCE ST
City	MOUNT MORRIS
State	MI
Zip	48458-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	LOT 132 PLAT OF BUENA VISTA
Legal Subdivision	PLAT
Legal Lot Number	132
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2030
Census Tract	12310

Owner

356 Spruce St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4041 BARKER DR, CLIO, MI 48420-9403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 14, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2017	Warranty Deed, Transfer SARGENTS TITLE CO
Jan 20, 2017	Warranty Deed, Transfer CISLO TITLE, CISIO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on File
Deed Sale	Sep 3, 2025 · Amount on File
Prior Sale	Jul 7, 2017 · Amount on File
Deed Document Number	20259451
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	356 SPRUCE ST, MOUNT MORRIS, MI 48458-1937
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003625
Date	Jan 14, 2021
Instrument	202101140003625

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Jul 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 7, 2017
Property Address	356 SPRUCE ST, MOUNT MORRIS, MI 48458-1937
Document Number	201707070048388
Map Reference	MB5 PG32
Instrument Date	Jun 27, 2017
Instrument	201707070048388
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SARGENTS TITLE CO

Transaction

Amount	Amount on Record
Tax	$481.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20335 PARKVILLE ST, 20335, LIVONIA, MI 48152-2066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3346 ROYAL OAK, BURTON, MI 48519-2836

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jan 20, 2017
Property Address	356 SPRUCE ST, MOUNT MORRIS, MI 48458-1937
Document Number	0000003675
Instrument Date	Dec 29, 2016
Instrument	3675
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	CISLO TITLE, CISIO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20335 PARKVILLE ST LIVONIA MI 481522066, LIVONIA, MI 48152-2066

Tax Assessment & Valuation

The 2025 property tax bill for 356 Spruce St was $1,013 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		$40,900 (+14.25%) Land $2,700 Building $38,200	$81,800 (+14.25%) Land $5,400 Building $76,400
2025	$1,013.00 (+2.01%) Homeowner's exemption	$35,800	$71,600
2024	$993.00
2023		$31,800	$63,600
2021	$899.00

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 356 Spruce 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 356 Spruce 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	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

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