409 N Locust St, Adrian, MI 49221 Property Records

Lenawee County property record for 409 N Locust St, Adrian, MI 49221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 2007
Lot Size	0.112 acres (4,879 sqft)
Owner	2 Individual Names on File
Last Sale	$73,000 (May 2014)
Tax Bill	$2,137 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`XA0-002-0004-00`

Property Details

APN / Parcel Number

Primary APN	`XA0-002-0004-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Traditional
Lot Area	4,879 sqft (0.112 acres)
Lot Dimensions	74 ft deep x 66 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Total Buildings	10 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 N LOCUST ST
City	ADRIAN
State	MI
Zip	49221-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	E 74 FT OF N 66 FT LOT 4 BLK 10 ORIGINAL PLAT
Legal Subdivision	ORIGINAL PLAT
Legal Block	10
Legal Lot Number	4
Jurisdiction	LENAWEE MI
Township / Civil Division	ADRIAN
Census Block Group	1
Census Block	1009
Census Tract	61302

Owner

409 N Locust St is owned and occupied by two individuals who bought it in May 2014.

Source: Lenawee County records, as of July 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 N LOCUST ST, ADRIAN, MI 49221-2235
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
Oct 14, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Aug 25, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2014 · Amount on File
Deed Sale	May 12, 2014 · Amount on File
Prior Sale	Apr 25, 2007 · Amount on File
Deed Book / Page	2488 / 455
Prior Transfer Date	Dec 2, 2013
Prior Transfer Doc	0024800049
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	409 N LOCUST ST, ADRIAN, MI 49221-2235
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026460389
Date	Oct 14, 2022
Book Page	2646/389

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	409 N LOCUST ST, ADRIAN, MI 49221-2235
Document Number	0025500898
Book / Page	002550 / 000898
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025500898
Date	Sep 1, 2017
Book Page	002550/000898

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 409 N Locust St was $2,137 with a homeowner's exemption, up 2.3% from the year before.

Source: Lenawee County assessment roll, as of July 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Adrian City
County	Lenawee County
Unified School District	Adrian City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$82,100 (+12.01%)	$164,200 (+12.01%)
2025	$2,137.00 (+2.3%) Homeowner's exemption	$73,300	$146,600
2024	$2,089.00
2023		$61,500 (+9.43%)	$123,000 (+9.43%)
2022		$56,200	$112,400

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

Flood

FEMA maps place 409 N Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 14, 2019

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

Wildfire risk around 409 N Locust St is low, with 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 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	ADRIAN serves 23,663 people · EPA ID MI0000040
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 700 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
D&P Communications Fiber	4,000 / 4,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, T-Mobile.

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