Genesee County property record for 405 Elm St, Flushing, MI 48433
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,128 sqft · built 1977 |
| Lot Size | 0.167 acres (7,275 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Jan 2026) |
| Tax Bill | $3,365 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-26-552-214 |
| Primary APN | 55-26-552-214 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,128 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,024 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 7,275 sqft (0.167 acres) |
| Lot Dimensions | 66 ft deep x 110 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 ELM ST |
|---|---|
| City | FLUSHING |
| State | MI |
| Zip | 48433-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES R-1 (L |
| Legal Description | E 110 FT OF LOT 6 BLK 19 THE ENLARGED PLAT OF FLUSHING |
| Legal Subdivision | THE ENLARGED PLAT |
| Legal Block | 19 |
| Legal Lot Number | 6 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | FLUSHING |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 10603 |
Source: Genesee County records · APN 55-26-552-214
Assessment roll updated October 3, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 ELM ST, FLUSHING, MI 48433-1628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage ELGA CREDIT UNION |
| Apr 27, 2022 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| May 05, 2022 | Warranty Deed, Transfer BELL TITLE AGENCY/FENTON, BELL TITLE AGENCY OF GENESEE |
| Jul 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on Record |
| Deed Sale | Jan 21, 2026 · Amount on Record |
| Prior Sale | May 05, 2022 · Amount on Record |
| Deed Document Number | 2026418 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jan 21, 2026 |
| Property Address | 405 ELM ST, FLUSHING, MI 48433-1628 |
| Document Number | 0000000418 |
| Map Reference | LB 1 PG 21 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 202601210000418 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TRUSTED TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1418 CENTRAL DR, OAK HARBOR, WA 98277-3406 |
| Name | Verified Name |
|---|---|
| Address | 405 ELM ST, FLUSHING, MI 48433-1628 |
| Document Number | 0000000419 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 202601210000419 |
| Name | ELGA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 405 ELM ST, FLUSHING, MI 48433-1628 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11392 DODGE RD, MONTROSE, MI 48457-9170 |
| Document Number | 0000034787 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 202204270034787 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | May 05, 2022 |
| Property Address | 405 ELM ST, FLUSHING, MI 48433-1628 |
| Document Number | 0000036473 |
| Map Reference | LB 1 PG 21 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 202205050036473 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Title Company | BELL TITLE AGENCY/FENTON, BELL TITLE AGENCY OF GENESEE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 603 S ELBA RD, 603, LAPEER, MI 48446-2776 |
| Name | Verified Name |
|---|---|
| Address | 11392 DODGE RD, MONTROSE, MI 48457-9170 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jul 16, 2021 |
| Property Address | 405 ELM ST, FLUSHING, MI 48433-1628 |
| Document Number | 202107160062046 |
| Map Reference | LB 1 PG 21 |
| Instrument Date | Jul 08, 2021 |
| Instrument | 202107160062046 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2021 |
| Title Company | BELL TITLE AGCY OF GENESSEE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,479.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 ELM ST, 405, FLUSHING, MI 48433-1628 |
| Name | Verified Name |
|---|---|
| Address | 2270 CRABAPPLE LN, LAPEER, MI 48446-9328 |
| Document Number | 202107160061916 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 202107160061916 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Flushing City |
| Unified School District | Flushing Community Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,365.00 (-16.93%) Homeowner's exemption | $98,600 (+20.98%) | $197,200 (+20.98%) |
| 2024 | $4,051.00 (+59.11%) | ||
| 2023 | $81,500 | $163,000 | |
| 2021 | $2,546.00 |
Source: FEMA National Flood Hazard Layer as of February 19, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2006 · tidal / storm surge |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
Based on FCC filings for 239 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF FLUSHING serves 8,311 people |
|---|---|
| Water Source | Purchased surface water from GENESEE COUNTY WATER SYSTEM |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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