407 E Water St, Vernon, MI 48476 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1950
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Sep 2021)
Tax Bill	$1,345 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012-74-003-013`

Property Details

APN / Parcel Number

Primary APN	`012-74-003-013`
Alternative APN	`0127400301300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 E WATER ST
City	VERNON
State	MI
Zip	48476-9105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARL C WULFF'S ADD VILLAGE OF VERNON LOT 21 & W 12 OF LOT 22 BLK 3
Legal Subdivision	CARL C WULFFS ADD
Legal Block	3
Legal Lot Number	21-22
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2067
Census Tract	31800

Owner

407 E Water St is owned and occupied by an individual who bought it in September 2021.

Source: Shiawassee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 6, VERNON, MI 48476-0006
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
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 22, 2019	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MTG SVCS
Oct 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage ELGA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on File
Deed Sale	Sep 17, 2021 · Amount on File
Prior Sale	Sep 25, 2014 · Amount on File
Deed Document Number	20213351344
Deed Book / Page	1287 / 533
Prior Transfer Date	Nov 11, 2003
Prior Transfer Doc	0003112546
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Sep 17, 2021
Property Address	407 E WATER ST, VERNON, MI 48476-9105
Document Number	0012870533
Book / Page	1287 / 533
Map Reference	LB 1 PG 30
Instrument Date	Sep 2, 2021
Instrument	3351344
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 N WATER ST, 407, OWOSSO, MI 48867-2253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E WATER ST, VERNON, MI 48476-9105

Mortgage

Document Number	3351345
Date	Sep 17, 2021
Instrument	3351345

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	407 E WATER ST, VERNON, MI 48476-9105
Document Number	0012590467
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6 VERNON MI 484760006, VERNON, MI 48476-0006

Mortgage

Document Number	0012590467
Date	Jul 30, 2019
Book Page	001259/000467
Instrument	3323031

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	407 E WATER ST, VERNON, MI 48476-9105
Document Number	0012510550
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E WATER ST VERNON MI 484769105, VERNON, MI 48476-9105

Mortgage

Document Number	0012510550
Date	Nov 6, 2018
Book Page	001251/000550

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 5, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 407 E Water St was $1,345 with a homeowner's exemption, up 3.7% from the year before.

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		$57,700 (+2.67%)	$115,400 (+2.67%)
2025	$1,345.00 (+3.7%) Homeowner's exemption	$56,200	$112,400
2024	$1,297.00 (+20.09%)
2023	$1,080.00 Homeowner's exemption	$48,700	$97,400

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

FEMA maps place 407 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 407 E Water 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.

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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