407 E Elm St, Vernon, MI 48476 Property Records

Shiawassee County property record for 407 E Elm St, Vernon, MI 48476

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (Jan 2025)
Tax Bill	$2,193 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Nov 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-74-001-009`

Property Details

APN / Parcel Number

Primary APN	`012-74-001-009`
Alternative APN	`0127400100900`

Interior

Full Baths	2 Baths
Building Area	1,544 sqft Living Area
1st Floor Area	882 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Multi-Family
Lot Area	12,197 sqft (0.28 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 E ELM ST
City	VERNON
State	MI
Zip	48476-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF VERNON WULFF'S CARL C ADD S 104 FT OF LOTS 14 & 15 & S 104 FT OF E 15 FT OF LOT 16 BLK 1
Legal Subdivision	WULFFS CARL C ADD
Legal Block	1
Legal Lot Number	14-16
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2056
Census Tract	31800

Owner

Source: Shiawassee County records, as of October 20, 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	407 E ELM ST, VERNON, MI 48476-9108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2019	Warranty Deed, Transfer CALIBER HM LOANS
Nov 21, 2018	Grant Deed, Transfer · Line of Credit LENDINGHOME FNDG
Sep 21, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2025 · Amount on Record
Deed Sale	Jan 29, 2025 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Document Number	20253388440
Deed Book / Page	1324 / 77
Prior Transfer Date	Sep 13, 2017
Prior Transfer Doc	0012380425
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Mar 26, 2019
Property Address	407 E ELM ST, VERNON, MI 48476-9108
Document Number	0012550056
Book / Page	001255 / 000056
Instrument Date	Mar 12, 2019
Instrument	3318566
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E ELM ST VERNON MI 484769108, VERNON, MI 48476-9108

Mortgage

Document Number	12550057
Date	Mar 26, 2019
Book Page	001255/000057
Instrument	3318567

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Nov 21, 2018
Property Address	407 E ELM ST, VERNON, MI 48476-9108
Document Number	0012510942
Book / Page	001251 / 000942
Instrument Date	Oct 16, 2018
Instrument	3315356
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$345.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11546 CROSBY RD FENTON MI 484308926, FENTON, MI 48430-8926

Mortgage

Document Number	12510943
Date	Nov 21, 2018
Book Page	001251/000943
Instrument	3315357

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Sep 21, 2017
Property Address	407 E ELM ST, VERNON, MI 48476-9108
Document Number	0012380425
Book / Page	001238 / 000425
Instrument Date	Sep 13, 2017
Instrument	3301733
Transaction Type	Foreclosure
Record Updated	Oct 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$382.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	407 E ELM ST VERNON MI 484769108, VERNON, MI 48476-9108
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Vernon Township
Municipality	Vernon Village
Unified School District	Corunna Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$95,500 (+1.49%)	$191,000 (+1.49%)
2025	$2,193.00 (+3.35%) Homeowner's exemption	$94,100 (+15.32%)	$188,200 (+15.32%)
2024	$2,122.00 (+15.77%)
2023	$1,833.00 Homeowner's exemption	$81,600	$163,200

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.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 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	4 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 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

May also be available: AT&T.

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