409 Irwin Ave, Albion, MI 49224 Property Records

Calhoun County property record for 409 Irwin Ave, Albion, MI 49224

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,496 sqft · built 1890
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Nov 2025 Transfer Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`51-006-597-00`

Property Details

APN / Parcel Number

Primary APN	`51-006-597-00`
Alternative APN	`13-51-006-597-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,496 sqft Living Area
1st Floor Area	920 sqft
Basement Area	920 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	12,284 sqft (0.282 acres)
Lot Dimensions	186 ft deep x 90.5 ft wide
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 IRWIN AVE
City	ALBION
State	MI
Zip	49224-2091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	ALBION CITY, IRWIN'S ADDITION BLK 5 LOT 17. BLK 5. MCL 211.27 $4663
Legal Subdivision	IRWINS ADD
Legal Block	5
Legal Lot Number	17
Jurisdiction	CALHOUN MI
Township / Civil Division	ALBION
Census Block Group	3
Census Block	3005
Census Tract	3300

Owner

Source: Calhoun County records, as of June 23, 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	409 IRWIN AVE, ALBION, MI 49224-2091
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Intrafamily Transfer, Transfer
Oct 16, 2020	Deed of Trust, Mortgage · Line of Credit HOMESTEAD SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 20, 2025
Transfer Doc	004960/263
Record Updated	Sep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALHOUN MI
Recording Date	Nov 26, 2025
Property Address	409 IRWIN AVE, ALBION, MI 49224-2091
Document Number	004960/263
Book / Page	4960 / 263
Map Reference	LB 1 PG 7
Instrument Date	Nov 20, 2025
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 IRWIN AVE, ALBION, MI 49224-2091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 IRWIN AVE, ALBION, MI 49224-2091

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	409 IRWIN AVE, ALBION, MI 49224-2091
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004467/754
Date	Oct 16, 2020
Book Page	4467/754

Lender

Name	HOMESTEAD SAVINGS BANK
Type	Bank
Address	ALBION, MI 49224

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$74,200 (+5.85%)
2025	$1,271.00 (+1.76%) Homeowner's exemption	$70,100 (+21.91%)	$148,400 (+5.85%)
2024	$1,249.00 (+19.07%)		$140,200 (+21.91%)
2023		$57,500	$115,000
2022	$1,049.00

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 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	Not rated no burnable land within 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 226 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: Verizon.

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