405 W Trail St, Jackson, MI 49201 Property Records

Jackson County property record for 405 W Trail St, Jackson, MI 49201

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,624 sqft · built 1940
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Oct 2018)
Tax Bill	$1,826 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-090500000`

Property Details

APN / Parcel Number

Primary APN	`2-090500000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,624 sqft Living Area
1st Floor Area	928 sqft
Basement Area	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	170 ft deep x 49.5 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 W TRAIL ST
City	JACKSON
State	MI
Zip	49201-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	W 1/2 OF LOT 11 BLK 1 & E 1 RD OF LOT 12 BLK 1 STEWARD'S AMENDED ADD
Legal Subdivision	STEWARDS AMENDED ADD
Legal Block	1
Legal Lot Number	11-12
Legal Unit	112
Jurisdiction	JACKSON MI
Township / Civil Division	JACKSON
Census Block Group	2
Census Block	2009
Census Tract	200

Owner

405 W Trail St is owned and occupied by an individual who acquired it in January 2019.

Source: Jackson County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	405 W TRAIL ST, JACKSON, MI 49201-1103
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
Feb 15, 2023	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Oct 16, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI FLAGSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Prior Sale	Aug 22, 2008 · Amount on File
Deed Document Number	20182129-0780
Deed Book / Page	2129 / 780
Last Transfer Date	Jan 15, 2019
Transfer Doc	0002813324
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Feb 15, 2023
Property Address	405 W TRAIL ST, JACKSON, MI 49201-1103
Document Number	0002931909
Book / Page	2225 / 218
Map Reference	LB 2 P G 5
Instrument Date	Feb 7, 2023
Instrument	2931909
Transaction Type	Transfer
Record Updated	Jun 7, 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	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1164 LEXINGTON BLVD, JACKSON, MI 49201-9856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 STEWARD AVE, JACKSON, MI 49202-3395

Mortgage

Document Number	0002931910
Date	Feb 15, 2023
Instrument	2931910

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Oct 16, 2018
Property Address	405 W TRAIL ST, JACKSON, MI 49201-1103
Document Number	0002807668
Book / Page	002129 / 000780
Instrument Date	Oct 10, 2018
Instrument	2807668
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 9, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1164 LEXINGTON BLVD JACKSON MI 492019856, JACKSON, MI 49201-9856

Mortgage

Document Number	2807669
Date	Oct 16, 2018
Book Page	002129/000781
Instrument	2807669

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 405 W Trail St was $1,826 with a homeowner's exemption, down 23.5% from the year before.

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
Municipality	Jackson City
Unified School District	Jackson Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,700 (+15.32%)	$105,400 (+15.32%)
2025	$1,826.00 (-23.47%)	$45,700	$91,400
2024	$2,386.00
2023		$31,800	$63,600
2022	$1,714.00

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

Flood

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

Source: FEMA National Flood Hazard Layer, effective May 3, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 405 W Trail 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	JACKSON serves 33,165 people · EPA ID MI0003470
Water Source	Groundwater influenced by surface water
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Dec 2020
Monitoring and Reporting	21 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Great Lakes High Speed Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Mercury Fiber, T-Mobile, Xfinity.

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