Jackson County property record for 397 Richard St, Spring Arbor, MI 49283
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,010 sqft · built 1966 |
| Lot Size | 0.391 acres (17,032 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,221 (2025) |
| Deeds & Mortgages | Feb 2022 Reverse Mortgage Feb 2018 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 141-12-16-403-006-00 |
| Primary APN | 141-12-16-403-006-00 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,010 sqft Living Area |
| 1st Floor Area | 1,340 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Lot Area | 17,032 sqft (0.391 acres) |
| Lot Dimensions | 120 ft deep x 141 ft wide |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Street Address | 397 RICHARD ST |
|---|---|
| City | SPRING ARBOR |
| State | MI |
| Zip | 49283-9644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | LOT 19 LATHER ESTATES SUBDIVISION |
| Legal Subdivision | LATHER ESTATES SUBDIVISION |
| Legal Lot Number | 19 |
| Legal Unit | 19 |
| Jurisdiction | JACKSON MI |
| Township / Civil Division | SPRING ARBOR |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 5400 |
Source: Jackson County records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 397 RICHARD ST, SPRING ARBOR, MI 49283-9644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Feb 20, 2018 | Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC |
| Feb 12, 2018 | Deed of Trust, Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MI |
| Property Address | 397 RICHARD ST, SPRING ARBOR, MI 49283-9644 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 397 RICHARD ST, SPRING ARBOR, MI 49283-9644 |
| Document Number | 0002906571 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 2205/881 |
| Instrument | 2906571 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | MAHWAH, NJ 07495 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.24% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.24% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MI |
| Property Address | 397 RICHARD ST, SPRING ARBOR, MI 49283-9644 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002788657 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 2114/1269 |
| Instrument | 2788657 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.79% |
| Type Change Date | Mar 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MI |
| Property Address | 397 RICHARD ST, SPRING ARBOR, MI 49283-9644 |
| Document Number | 0002788658 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 397 RICHARD ST |
| Document Number | 0002788658 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 002114/001270 |
| Instrument | 2788658 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Amount | Amount Recorded |
|---|
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 | $118,000 (+13.24%) | $236,000 (+13.24%) | |
| 2025 | $1,221.00 (-4%) | $104,200 (+10.5%) | $208,400 (+10.5%) |
| 2024 | $2,035.00 (+1%) | ||
| 2023 | $94,300 | $188,600 | |
| 2022 | $1,850.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures