Crawford County property record for 405 Spruce St, Grayling, MI 49738
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,322 sqft · built 1925 |
| Lot Size | 0.331 acres (14,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,000 (Nov 2020) |
| Tax Bill | $3,558 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-100-011-005-00 |
| Primary APN | 070-100-011-005-00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,322 sqft Living Area |
| 1st Floor Area | 1,906 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Custom Design |
| Lot Area | 14,400 sqft (0.331 acres) |
| Lot Dimensions | 120 ft deep x 120 ft wide |
| Garage Area | 896 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 405 SPRUCE ST |
|---|---|
| City | GRAYLING |
| State | MI |
| Zip | 49738-1637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | LOTS 5 & 6, BLOCK 11, ORIGINAL PLAT OF THE VILLAGE, NOW CITY, OF GRAYLING |
| Legal Subdivision | ORIGINAL OF GRAYLING CITY |
| Legal Block | 11 |
| Legal Lot Number | 5-6 |
| Jurisdiction | CRAWFORD MI |
| Township / Civil Division | GRAYLING |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 960200 |
405 Spruce St is owned and occupied by two individuals who bought it in November 2020.
Source: Crawford County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 SPRUCE ST, GRAYLING, MI 49738-1637 |
| 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.
| Date | Document |
|---|---|
| Jan 16, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Nov 5, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2020 · Amount on File |
| Deed Sale | Nov 5, 2020 · Amount on File |
| Prior Sale | Jun 23, 2015 · Amount on File |
| Deed Book / Page | 748 / 582 |
| Prior Transfer Date | Oct 5, 1992 |
| Prior Transfer Doc | 0348000579 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CRAWFORD MI |
| Property Address | 405 SPRUCE ST, GRAYLING, MI 49738-1637 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 405 SPRUCE ST, GRAYLING, MI 49738-1637 |
| Document Number | 0000000802/0000000282 |
|---|---|
| Date | Jan 16, 2024 |
| Book Page | 0000000802/0000000282 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CRAWFORD MI |
| Recording Date | Nov 5, 2020 |
| Property Address | 405 SPRUCE ST, GRAYLING, MI 49738-1637 |
| Document Number | 748/582 |
| Book / Page | 748 / 582 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1467 EDGEWATER LN, GRAYLING, MI 49738-7512 |
The 2025 property tax bill for 405 Spruce St was $3,558 with a homeowner's exemption.
Source: Crawford County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Crawford County |
| Municipality | Grayling City |
| Unified School District | Crawford AuSable Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $104,500 Land $4,200 Building $100,300 | $209,000 Land $8,400 Building $200,600 | |
| 2025 | $3,558.00 | ||
| 2023 | $83,300 Land $4,200 Building $79,100 | $166,600 Land $8,400 Building $158,200 | |
| 2022 | $3,274.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Spruce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 17, 2012
| 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 risk around 405 Spruce 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 | Indirect within ember reach |
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 GRAYLING serves 1,884 people · EPA ID MI0002840 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 335 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 |
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