40509 78th St, Covert, MI 49043 Property Records

Van Buren County property record for 40509 78th St, Covert, MI 49043

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,109 sqft
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2026)
Tax Bill	$869 (2025)
Deeds & Mortgages	Jul 2026 Sale Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`80-07-028-009-00`

Property Details

APN / Parcel Number

Primary APN	`80-07-028-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,109 sqft Living Area
1st Floor Area	1,109 sqft

Exterior

Lot Area	16,117 sqft (0.37 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	40509 78TH ST
City	COVERT
State	MI
Zip	49043-8718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	429-A 28-2-17 719-619 972-990 984-710 1311-702 1490-193 N 100 FT OF W 163 FT OF S 1/2 OF N 1/2 OF NW 1/4 OF SEC.
Jurisdiction	VAN BUREN MI
Township / Civil Division	COVERT
Census Block Group	2
Census Block	2044
Census Tract	10600

Owner

Source: Van Buren County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	66480 48TH AVE, HARTFORD, MI 49057-8862
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer COUNTY TITLE, VAN BUREN COUNTY TITLE
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Mar 5, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Sep 6, 2023 · Amount on Record
Deed Document Number	20263476840
Deed Book / Page	1795 / 499
Prior Transfer Date	Feb 26, 2021
Prior Transfer Doc	001714/853
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Jul 6, 2026
Property Address	40509 78TH ST, COVERT, MI 49043-8718
Document Number	0003476840
Book / Page	1795 / 499
Instrument Date	Jun 24, 2026
Instrument	20263476840
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	COUNTY TITLE, VAN BUREN COUNTY TITLE

Transaction

Amount	Amount Recorded
Tax	$217,150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66480 48TH AVE, HARTFORD, MI 49057-8862
Investor	Possibly a Property Investor

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Sep 6, 2023
Property Address	40509 78TH ST, COVERT, MI 49043-8718
Document Number	001756/788
Book / Page	1756 / 788
Instrument Date	Sep 5, 2023
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	METRO ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 N ELMWOOD AVE, OAK PARK, IL 60302-2629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40509 78TH ST, COVERT, MI 49043-8718

Mortgage

Document Number	0017560789
Date	Sep 6, 2023
Instrument	1756-0789

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VAN BUREN MI
Recording Date	Mar 5, 2021
Property Address	40509 78TH ST, COVERT, MI 49043-8718
Document Number	001714/853
Book / Page	1714 / 853
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MICHIGAN IN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7253 W EVERELL AVE, 7253, CHICAGO, IL 60631-1934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 N ELMWOOD AVE, OAK PARK, IL 60302-2629

Tax Assessment & Valuation

Source: Van Buren County assessment roll, as of October 21, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Van Buren County
County Subdivision	Covert Township
Unified School District	Covert Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,200 (-17.33%)	$136,400 (-17.33%)
2025	$869.00 (-65.43%) Homeowner's exemption	$82,500 (+99.28%)	$165,000 (+99.28%)
2024	$2,514.00 (+160.25%)
2023		$41,400	$82,800
2020	$966.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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	5 in force
Nearby Flood Claims	5 (1982–2019)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2019 · other causes

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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