409 2nd St, Fenton, MI 48430 Property Records

Genesee County property record for 409 2nd St, Fenton, MI 48430

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,057 sqft · built 1880
Lot Size	0.331 acres (14,418 sqft)
Owner	Individual Name on Record
Tax Bill	$3,012 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`53-25-551-169`

Property Details

APN / Parcel Number

Primary APN	`53-25-551-169`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,057 sqft Living Area
1st Floor Area	1,087 sqft
Basement Area	970 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	14,418 sqft (0.331 acres)
Lot Dimensions	120 ft deep x 120 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 2ND ST
City	FENTON
State	MI
Zip	48430-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	LOTS 7 & 8 BLK 21 BOOTH AND MILES NORTHERN ADDITION (84) FR 5300023182
Legal Subdivision	BOOTH AND MILES NORTHERN ADDITION
Legal Block	21
Legal Lot Number	7-8
Jurisdiction	GENESEE MI
Township / Civil Division	FENTON
Census Block Group	2
Census Block	2007
Census Tract	13202

Owner

Source: Genesee County records, as of October 2, 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	409 2ND ST, FENTON, MI 48430-1943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Mar 16, 2026	Deed of Trust, Mortgage · Line of Credit DORT FINANCIAL CU
Mar 4, 2021	Intrafamily Transfer, Transfer
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit DORT FCU
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage DORT FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 1, 2021
Transfer Doc	0000015360
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Recording Date	Aug 12, 2026
Property Address	409 2ND ST, FENTON, MI 48430-1943
Document Number	0000046913
Instrument Date	Aug 5, 2026
Instrument	202646913
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 2ND ST, FENTON, MI 48430-1943

Mortgage

Document Number	0000046913,
Date	Aug 12, 2026
Instrument	202646913

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 10, 2036

Interest

Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	409 2ND ST, FENTON, MI 48430-1943
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 2ND ST, FENTON, MI 48430-1943

Mortgage

Document Number	0000009092
Date	Mar 16, 2026
Instrument	202603160009092

Lender

Name	DORT FINANCIAL CU
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 13, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Mar 4, 2021
Property Address	409 2ND ST, FENTON, MI 48430-1943
Document Number	202103040015360
Instrument Date	Mar 1, 2021
Instrument	202103040015360
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 2ND ST, FENTON, MI 48430-1943

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	409 2ND ST, FENTON, MI 48430-1943
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054028
Date	Aug 10, 2017
Instrument	201708100054028

Lender

Name	DORT FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	409 2ND ST, FENTON, MI 48430-1943
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSNATION TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078768
Date	Nov 19, 2020
Instrument	202011190078768

Lender

Name	DORT FINANCIAL CU
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,600 (+5.21%)	$331,200 (+5.21%)
2025	$3,012.00 (+2.59%) Homeowner's exemption	$157,400 (+36.87%)	$314,800 (+36.87%)
2024	$2,936.00 (+25.9%)
2023		$115,000	$230,000
2019	$2,332.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 19, 2024

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	CITY OF FENTON serves 11,746 people · EPA ID MI0002270
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Surf Internet, Xfinity.

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