Jackson County property record for 395 Richard St, Spring Arbor, MI 49283
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,087 sqft |
| Lot Size | 0.349 acres (15,202 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Sep 2013) |
| Tax Bill | $2,116 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 141-12-16-403-005-00 |
| Primary APN | 141-12-16-403-005-00 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,087 sqft Living Area |
| 1st Floor Area | 1,767 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Lot Area | 15,202 sqft (0.349 acres) |
|---|---|
| Lot Dimensions | 152 ft deep x 100 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 395 RICHARD ST |
|---|---|
| City | SPRING ARBOR |
| State | MI |
| Zip | 49283-9660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | LOT 18 LATHER ESTATES SUBDIVISION |
| Legal Subdivision | LATHER ESTATES SUBDIVISION |
| Legal Lot Number | 18 |
| Legal Unit | 18 |
| Jurisdiction | JACKSON MI |
| Township / Civil Division | SPRING ARBOR |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 5400 |
395 Richard St is owned and occupied by two individuals who bought it in September 2013.
Source: Jackson County records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 395 RICHARD ST, SPRING ARBOR, MI 49283-9660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TOP FLITE FINANCIAL INC |
| Nov 13, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2013 · Amount on File |
| Deed Sale | Sep 25, 2013 · Amount on File |
| Prior Sale | Oct 1, 1988 · Amount on File |
| Deed Document Number | 20132664854 |
| Deed Book / Page | 2019 / 966 |
| Prior Transfer Date | Jun 22, 2012 |
| Prior Transfer Doc | 0002624030 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MI |
| Property Address | 395 RICHARD ST, SPRING ARBOR, MI 49283-9660 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Title Company | ABACUS TITLE AND ESCROW, ABACUS TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0002877595 |
|---|---|
| Date | Mar 25, 2021 |
| Book Page | 2183/505 |
| Instrument | 2877595 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MI |
| Property Address | 395 RICHARD ST, SPRING ARBOR, MI 49283-9660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002782350 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 2110/0162 |
| Instrument | 2782350 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | JACKSON, MI 49202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 395 Richard St was $2,116 with a homeowner's exemption, down 39.6% from the year before.
Source: Jackson County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Jackson County |
| County Subdivision | Spring Arbor Township |
| Unified School District | Western School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $172,200 (+10.38%) | $344,400 (+10.38%) | |
| 2025 | $2,116.00 (-39.56%) | $156,000 | $312,000 |
| 2024 | $3,501.00 | ||
| 2023 | $139,000 | $278,000 | |
| 2022 | $3,181.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 395 Richard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 3, 2010
| 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 risk around 395 Richard St is low, with 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 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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