404 E Water St, Vernon, MI 48476 Property Records

Shiawassee County property record for 404 E Water St, Vernon, MI 48476

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,024 sqft · built 1956
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$84,900 (Nov 2017)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-74-004-004`

Property Details

APN / Parcel Number

Primary APN	`012-74-004-004`
Alternative APN	`0127400400400`

Interior

Full Baths	1 Bath
Building Area	1,024 sqft Living Area
1st Floor Area	1,024 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 E WATER ST
City	VERNON
State	MI
Zip	48476-9105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WULFF'S CARL C ADD VERNON VILL LOT 16 BLK 4 ALSO N 12 OF VACATED ALLEY ADJ TO SD LOT
Legal Subdivision	WULFFS CARL C ADD
Legal Block	4
Legal Lot Number	16
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2065
Census Tract	31800

Owner

404 E Water St is owned and occupied by an individual who bought it in November 2017.

Source: Shiawassee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 22, VERNON, MI 48476-0022
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Nov 3, 2017	Warranty Deed, Transfer UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2017 · Amount on File
Deed Sale	Nov 3, 2017 · Amount on File
Deed Document Number	20173303227
Deed Book / Page	1239 / 913
Prior Transfer Date	Apr 15, 2011
Prior Transfer Doc	0011580560
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	404 E WATER ST, VERNON, MI 48476-9105
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	POX BOX 22 22, 22, VERNON, MI 48476

Mortgage

Document Number	0012860387
Date	Aug 19, 2021
Book Page	1286/387
Instrument	3350194

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Apr 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Nov 3, 2017
Property Address	404 E WATER ST, VERNON, MI 48476-9105
Document Number	0012390913
Book / Page	1239 / 0913
Instrument Date	Oct 27, 2017
Instrument	3303227
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1736 N GREGORY RD, 1736, FOWLERVILLE, MI 48836-9062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5180 S DURAND RD APT B, B, DURAND, MI 48429-1901

Mortgage

Document Number	0012390914
Date	Nov 3, 2017
Book Page	1239/0914
Instrument	3303228

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 404 E Water St was $1,372 with a homeowner's exemption, up 3.7% from the year before.

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Vernon Township
Municipality	Vernon Village
Unified School District	Corunna Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,800 (+2.08%)	$127,600 (+2.08%)
2025	$1,372.00 (+3.7%) Homeowner's exemption	$62,500	$125,000
2024	$1,323.00 (+19.73%)
2023	$1,105.00 Homeowner's exemption	$53,700	$107,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 404 E Water 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 96% of the US · lower than 91% 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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