404 Helen St, Mount Morris, MI 48458 Property Records

Genesee County property record for 404 Helen St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1940
Lot Size	0.498 acres (21,693 sqft)
Owner	Individual Name on File
Last Sale	$43,000 (Mar 2013)
Tax Bill	$1,326 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-12-533-010`

Property Details

APN / Parcel Number

Primary APN	`57-12-533-010`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Foundation Type	Raised
Lot Area	21,693 sqft (0.498 acres)
Lot Dimensions	140 ft deep x 155 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	404 HELEN ST
City	MOUNT MORRIS
State	MI
Zip	48458-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	N 140 FT OF LOT 17 RUSSELL GARDENS
Legal Subdivision	RUSSELL GARDENS SUBDIVISION
Legal Lot Number	17
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2031
Census Tract	12310

Owner

404 Helen St is owned and occupied by an individual who bought it in March 2013.

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

Owner of Record	Individual Name on File
Mailing Address	404 HELEN ST, MOUNT MORRIS, MI 48458-1921
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
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELGA CREDIT UNION
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2013 · Amount on File
Deed Sale	Mar 8, 2013 · Amount on File
Prior Sale	Nov 21, 2012 · Amount on File
Deed Document Number	201341191
Prior Transfer Date	Feb 15, 2012
Prior Transfer Doc	0000011063
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	404 HELEN ST, MOUNT MORRIS, MI 48458-1921
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 HELEN ST, MOUNT MORRIS, MI 48458-1921

Mortgage

Document Number	0000028598
Date	Dec 29, 2025
Instrument	202512290028598

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 22, 2040

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	404 HELEN ST, MOUNT MORRIS, MI 48458-1921
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202011040075250
Date	Nov 4, 2020
Instrument	202011040075250

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 30, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 404 Helen St was $1,326 with a homeowner's exemption, up 23.1% 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		$59,500 (+14.2%) Land $5,200 Building $54,300	$119,000 (+14.2%) Land $10,400 Building $108,600
2025	$1,326.00 (+23.12%) Homeowner's exemption	$52,100	$104,200
2024	$1,077.00
2023		$46,800	$93,600
2021	$968.00

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

Flood

FEMA maps place 404 Helen 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 404 Helen 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOUNT MORRIS serves 3,086 people · EPA ID MI0004520
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
Monitoring and Reporting	1 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.

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.

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