Shiawassee County property record for 405 Prospect St, Ovid, MI 48866
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 966 sqft · built 1860 |
| Lot Size | 0.84 acres (36,590 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Dec 2023) |
| Tax Bill | $2,088 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Dec 2023 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-50-002-007 |
| Primary APN | 005-50-002-007 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 966 sqft Heated Area |
| 1st Floor Area | 774 sqft |
| Basement Area | 210 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Lot Area | 36,590 sqft (0.84 acres) |
| Garage Area | 1,512 sqft |
| Parking Spaces | 5 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 405 PROSPECT ST |
|---|---|
| City | OVID |
| State | MI |
| Zip | 48866-9581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | MABBITT'S ADD TO OVID COM AT SE COR LOT 10 N 383 FT W 70 FT S 383 FT AND E TO BEG ALSO PT OF LOTS 11 & 14 BLK 2 DESC AS COM A |
| Legal Subdivision | MABBITTS ADD |
| Legal Block | 2 |
| Legal Lot Number | 10-11 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | MIDDLEBURY |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30200 |
Source: Shiawassee County records, as of July 16, 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 Record |
|---|---|
| Mailing Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2023 | Deed of Trust, Mortgage · Line of Credit THE DART BANK |
| Dec 28, 2023 | Warranty Deed, Transfer · Second Mortgage (Down Payment) FIFTH THIRD BANK NA |
| Dec 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Dec 28, 2023 | Correction Deed CEDAR TITLE AGENCY LLC, RED CEDAR TITLE AGENCY LLC |
| Nov 12, 2020 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Sep 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MICHICAN ST UNIV FCU |
| Sep 14, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | May 18, 2016 · Amount on Record |
| Deed Document Number | 20233377487 |
| Deed Book / Page | 1313 / 257 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|---|
| Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Document Number | 0013040056 |
|---|---|
| Date | Feb 2, 2023 |
| Book Page | 1304/56 |
| Instrument | 3368135 |
| Name | THE DART BANK |
|---|---|
| Type | Bank |
| Address | LANSING, MI 48912 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Dec 28, 2023 |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Document Number | 0013130257 |
| Book / Page | 1313 / 257 |
| Map Reference | LB 27 PG 641 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 3377487 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2024 |
| Title Company | RED CARPET TITLE, RED CEDAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5691 BABBITT ST, HASLETT, MI 48840-8414 |
| Name | Verified Name |
|---|---|
| Address | 7344 WELTER RD, OVID, MI 48866-9641 |
| Document Number | 0003377752 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 3377752 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Dec 28, 2023 |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Document Number | 0013130257 |
| Book / Page | 1313 / 257 |
| Map Reference | LB 27 PG 641 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 3377487 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2024 |
| Title Company | RED CARPET TITLE, RED CEDAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5691 BABBITT ST, HASLETT, MI 48840-8414 |
| Name | Verified Name |
|---|---|
| Address | 7344 WELTER RD, OVID, MI 48866-9641 |
| Document Number | 0003377489 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 3377489 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Number | 0013130259 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | 1313/259 |
| Instrument | 3377489 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | 5001 KINGSLEY DR, CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Dec 28, 2023 |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Document Number | 0013130256 |
| Book / Page | 1313 / 256 |
| Map Reference | LB 27 PG 641 |
| Instrument Date | Nov 14, 2023 |
| Instrument | 3377486 |
| Record Updated | Jan 16, 2024 |
| Title Company | CEDAR TITLE AGENCY LLC, RED CEDAR TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012750139 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 1275/139 |
| Instrument | 3338823 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Document Number | 0012510838 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 PROSPECT ST OVID MI 488669581, OVID, MI 48866-9581 |
| Document Number | 0012510838 |
|---|---|
| Date | Nov 19, 2018 |
| Book Page | 001251/000838 |
| Instrument | 3315231 |
| Name | MICHICAN ST UNIV FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 18, 2028 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Recording Date | Sep 14, 2018 |
| Property Address | 405 PROSPECT ST, OVID, MI 48866-9581 |
| Document Number | 0012490936 |
| Book / Page | 001249 / 000936 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 3313317 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 PROSPECT ST OVID MI 488669581, OVID, MI 48866-9581 |
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 | $75,000 (+3.16%) | $150,000 (+3.16%) | |
| 2025 | $2,088.00 (+3.93%) Homeowner's exemption | $72,700 (+35.89%) | $145,400 (+35.89%) |
| 2024 | $2,009.00 (+81.15%) | ||
| 2023 | $1,109.00 Homeowner's exemption | $53,500 | $107,000 |
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.
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.
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 | 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 34 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 |
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