378 Elm St, Mount Morris, MI 48458 Property Records

Genesee County property record for 378 Elm St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,064 sqft · built 2002
Lot Size	0.158 acres (6,882 sqft)
Owner	2 Individual Names on File
Last Sale	$136,200 (Nov 2020)
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-12-200-069`

Property Details

APN / Parcel Number

Primary APN	`57-12-200-069`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,054 sqft
Basement Area	1,054 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	125 ft deep x 55 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	378 ELM ST
City	MOUNT MORRIS
State	MI
Zip	48458-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	BEG S 01 DEG 52'43" E 1910.52 FT AND N 87 DEG 08'12" E 396.38 FT FROM N 1/4 COR, TH CONT N 87 DEG 08'12" E 55.00 FT, TH S 02
Legal Range	06E
Legal Township	08N
Legal Section	12
Legal Lot Number	17
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2024
Census Tract	12310

Owner

378 Elm St is owned and occupied by two individuals who bought it in November 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	378 ELM ST, MOUNT MORRIS, MI 48458-1912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Warranty Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC
Aug 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage ELGA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Apr 13, 2016 · Amount on File
Deed Document Number	202076044
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 6, 2020
Property Address	378 ELM ST, MOUNT MORRIS, MI 48458-1912
Document Number	0000076044
Instrument Date	Oct 23, 2020
Instrument	202011060076044
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	MICHIGAN FIRST TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,173.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	378 ELM ST, 378, MOUNT MORRIS, MI 48458-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8109 TRIDENT CIR E, MONTROSE, MI 48457-8903

Mortgage

Document Number	0000076045
Date	Nov 6, 2020
Instrument	202011060076045

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	378 ELM ST, MOUNT MORRIS, MI 48458-1912
Document Number	0000084311
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	378 ELM ST MOUNT MORRIS MI 484581912, MOUNT MORRIS, MI 48458-1912

Mortgage

Document Number	0000084311
Date	Aug 28, 2018
Instrument	84311

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 27, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 378 Elm St was $2,471 with a homeowner's exemption, up 2.1% 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		$74,100 (+12.96%) Land $3,000 Building $71,100	$148,200 (+12.96%) Land $6,000 Building $142,200
2025	$2,471.00 (+2.11%) Homeowner's exemption	$65,600	$131,200
2024	$2,420.00
2023		$60,000	$120,000
2021	$2,197.00

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 378 Elm 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 378 Elm 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 98% of the US · lower than 95% 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 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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