405 Cedar St, Albion, MI 49224 Property Records

Calhoun County property record for 405 Cedar St, Albion, MI 49224

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,104 sqft · built 1875
Lot Size	0.691 acres (30,100 sqft)
Owner	Individual Name on File
Last Sale	$158,300 (Aug 2023)
Tax Bill	$3,575 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-009-732-00`

Property Details

APN / Parcel Number

Primary APN	`51-009-732-00`
Alternative APN	`13-51-009-732-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,104 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Lot Area	30,100 sqft (0.691 acres)
Lot Dimensions	170 ft deep x 122 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 CEDAR ST
City	ALBION
State	MI
Zip	49224-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	ALBION CITY, ASSESSORS PLAT OF PROSPECT HILL ADDITION TO THE CITY OF ALBION LOTS 131, 132, & 133
Legal Subdivision	ASSESSORS PLAT OF PROSPECT HILL
Legal Lot Number	131-133
Jurisdiction	CALHOUN MI
Township / Civil Division	ALBION
Census Block Group	1
Census Block	1013
Census Tract	3500

Owner

405 Cedar St is owned and occupied by an individual who bought it in August 2023.

Source: Calhoun County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	405 CEDAR ST, ALBION, MI 49224-1303
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 11, 2023	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2023 · Amount on File
Deed Sale	Aug 11, 2023 · Amount on File
Prior Sale	Nov 4, 2019 · Amount on File
Deed Book / Page	4764 / 873
Prior Transfer Date	Apr 22, 2009
Prior Transfer Doc	03454/0599
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN MI
Recording Date	Aug 11, 2023
Property Address	405 CEDAR ST, ALBION, MI 49224-1303
Document Number	004764/873
Book / Page	4764 / 873
Map Reference	LB 9 PG 24
Instrument Date	Jul 31, 2023
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,188.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 W BROWN ST # ST2, ST2, IRON MOUNTAIN, MI 49801-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1907 SUMMIT DR, DUNEDIN, FL 34698-3652

Mortgage

Document Number	004762/478
Date	Aug 1, 2023
Book Page	4762/478

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN MI
Recording Date	Nov 4, 2019
Property Address	405 CEDAR ST, ALBION, MI 49224-1303
Document Number	04366/0042
Book / Page	4366 / 0042
Map Reference	LB 9 PG 24
Instrument Date	Oct 25, 2019
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,049.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 CEDAR ST, 405, ALBION, MI 49224-1303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 N MONROE ST, ALBION, MI 49224-1374
Investor	Possibly a Property Investor

Mortgage

Document Number	0000436644
Date	Nov 4, 2019
Instrument	4366/44

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 Cedar St was $3,575 with a homeowner's exemption.

Source: Calhoun County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Albion City
County	Calhoun County
Unified School District	Marshall Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$83,400 (+9.88%)
2025	$3,575.00 Homeowner's exemption	$75,900	$166,800 (+9.88%)
2024			$151,800 (+28.64%)
2023		$59,000	$118,000
2022	$1,745.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 405 Cedar St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 4, 2011

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 405 Cedar 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	Direct burnable vegetation

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	ALBION serves 9,144 people · EPA ID MI0000100
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 ppb (2025) action level 15 ppb
Copper	1.35 mg/L (2016–2018) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2026 No certified operator Jan 2024
Monitoring and Reporting	5 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile, Verizon.

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