Shiawassee County property record for 401 E Pearl St, Ovid, MI 48866
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,596 sqft |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,843 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-50-005-009 |
| Primary APN | 005-50-005-009 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,596 sqft Heated Area |
| 1st Floor Area | 1,212 sqft |
| Basement Area | 384 sqft |
| Lot Area | 23,522 sqft (0.54 acres) |
|---|---|
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 401 E PEARL ST |
|---|---|
| City | OVID |
| State | MI |
| Zip | 48866-9592 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | MIDDLEBURY TOWNSHIP MABBITT'S ADD TO OVID LOTS 8 9 10 & 11 BLK 5 |
| Legal Subdivision | MABBITTS ADD |
| Legal Block | 5 |
| Legal Lot Number | 8-11 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | MIDDLEBURY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 30200 |
401 E Pearl St is owned and occupied by two individuals.
Source: Shiawassee County records, as of July 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 E PEARL ST, OVID, MI 48866-9592 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 401 E PEARL ST, OVID, MI 48866-9592 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 401 E PEARL ST, OVID, MI 48866-9592 |
| Document Number | 0012920857 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 1292/857 |
| Instrument | 3356759 |
| Name | LAFCU |
|---|---|
| Type | Credit Union |
| Address | LANSING, MI 48917 |
| Amount | Amount on Record |
|---|---|
| Term | 179 Months |
| Due | Jan 15, 2037 |
The 2025 property tax bill for 401 E Pearl St was $1,843 with a homeowner's exemption, up 3% from the year before.
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| County Subdivision | Middlebury Township |
| Unified School District | Ovid-Elsie Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $106,500 (+4.82%) | $213,000 (+4.82%) | |
| 2025 | $1,843.00 (+3.02%) Homeowner's exemption | $101,600 | $203,200 |
| 2024 | $1,789.00 (+9.75%) | ||
| 2023 | $1,630.00 Homeowner's exemption | $85,000 | $170,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 E Pearl St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 12, 2026
| 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 401 E Pearl 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF OVID serves 1,612 people · EPA ID MI0005100 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: DayStarr.
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