407 E North St, Albion, MI 49224 Property Records

Calhoun County property record for 407 E North St, Albion, MI 49224

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Apr 2024)
Tax Bill	$2,192 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-012-525-00`

Property Details

APN / Parcel Number

Primary APN	`51-012-525-00`
Alternative APN	`13-51-012-525-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 68 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 E NORTH ST
City	ALBION
State	MI
Zip	49224-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	ALBION CITY, WAKELIN ADDITION LOT 25
Legal Subdivision	WAKELIN ADD
Legal Lot Number	25
Jurisdiction	CALHOUN MI
Township / Civil Division	ALBION
Census Block Group	2
Census Block	2010
Census Tract	3600

Owner

Source: Calhoun County records, as of August 10, 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 NORTH ST, ALBION, MI 49224-1106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 15, 2024	Warranty Deed, Transfer · VA Mortgage USAA FSB
Aug 29, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Dec 23, 1991 · Amount on Record
Deed Book / Page	4816 / 58
Prior Transfer Date	Aug 17, 2023
Prior Transfer Doc	004768/803
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Recording Date	Apr 7, 2026
Property Address	407 E NORTH ST, ALBION, MI 49224-1106
Document Number	4991000592
Book / Page	4991 / 592
Instrument Date	Mar 25, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E NORTH ST, ALBION, MI 49224-1106

Mortgage

Document Number	4991000592,
Date	Apr 7, 2026
Book Page	4991/592

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN MI
Recording Date	Apr 15, 2024
Property Address	407 E NORTH ST, ALBION, MI 49224-1106
Document Number	0004816/58
Book / Page	4816 / 58
Map Reference	LB 5 PG 33
Instrument Date	Apr 11, 2024
Transaction Type	Transfer
Record Updated	May 3, 2024
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22150 27 1 2 MILE RD, SPRINGPORT, MI 49284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5183 BELLEVUE RD, ONONDAGA, MI 49264-9760

Mortgage

Document Number	004818/376
Date	Apr 17, 2024
Book Page	4818/376

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALHOUN MI
Recording Date	Aug 29, 2023
Property Address	407 E NORTH ST, ALBION, MI 49224-1106
Document Number	004768/803
Book / Page	4768 / 803
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 W GREEN ST, MARSHALL, MI 49068-1518

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22150 27 1 2 MILE ROAD, SPRINGPORT, MI 49284

Tax Assessment & Valuation

Source: Calhoun County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Albion City
County	Calhoun County
Unified School District	Marshall Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,100 (+9.84%)
2025	$2,192.00 (-35.66%) Homeowner's exemption	$44,700 (+33.04%)	$98,200 (+9.84%)
2024	$3,407.00 (+228.54%)		$89,400 (+33.04%)
2023		$33,600	$67,200
2022	$1,037.00

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 April 4, 2011

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

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	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	ALBION serves 9,144 people · EPA ID MI0000100
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 ppb (2025) action level 15 ppb
Copper	1.35 mg/L (2016–2018) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2026 No certified operator Jan 2024
Monitoring and Reporting	5 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile, Verizon.

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