3590 James Rd, Caro, MI 48723 Property Records

Tuscola County property record for 3590 James Rd, Caro, MI 48723

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 2002
Lot Size	10 acres (436,036 sqft)
Owner	Individual Name on Record
Last Sale	$196,600 (Oct 2021)
Tax Bill	$2,811 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-015-000-1000-03`

Property Details

APN / Parcel Number

Primary APN	`022-015-000-1000-03`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,492 sqft Building Perimeter
1st Floor Area	1,492 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Lot Area	436,036 sqft (10 acres)
Garage Area	484 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3590 JAMES RD
City	CARO
State	MI
Zip	48723-9050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEL-15-302 SEC 15 T12N R10E COM AT A PT THAT IS S 89 DEG 52' 32 E 719.18 FT FROM W 1/4 COR OF SD SEC, TH S 89 DEG 52' 32 E
Legal Range	10E
Legal Township	12N
Legal Section	15
Jurisdiction	TUSCOLA MI
Township / Civil Division	WELLS
Census Block Group	3
Census Block	3062
Census Tract	500

Owner

Source: Tuscola County records, as of June 23, 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	3590 JAMES RD, CARO, MI 48723-9050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Prior Sale	May 24, 2017 · Amount on Record
Deed Book / Page	1492 / 18
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TUSCOLA MI
Recording Date	Oct 7, 2021
Property Address	3590 JAMES RD, CARO, MI 48723-9050
Document Number	0000149218
Book / Page	1492 / 18
Instrument Date	Sep 28, 2021
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,477.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3590 JAMES RD, 3590, CARO, MI 48723-9050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9915 CENTER ST, REESE, MI 48757-9547

Mortgage

Document Number	0000149219
Date	Oct 7, 2021
Instrument	1492/19

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TUSCOLA MI
Recording Date	May 24, 2017
Property Address	3590 JAMES RD, CARO, MI 48723-9050
Document Number	0001010873
Book / Page	001374 / 001261
Instrument Date	May 22, 2017
Instrument	1010873
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 25724 MIAMI FL 331025724, MIAMI, FL 33102-5724

Mortgage

Document Number	1010874
Date	May 24, 2017
Book Page	001374/001262
Instrument	1010874

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Tuscola County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Tuscola County
County Subdivision	Wells Township
Unified School District	Kingston Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$113,000 (+1.8%)	$226,000 (+1.8%)
2025	$2,811.00 (+40.06%) Homeowner's exemption	$111,000 (+14.79%)	$222,000 (+14.79%)
2023		$96,700	$193,400
2020	$2,007.00

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

Source: FEMA National Flood Hazard Layer, effective April 3, 2012

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 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TEC Fiber Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on James Rd

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