412 Gregory Ter, Decatur, MI 49045 Property Records

Van Buren County property record for 412 Gregory Ter, Decatur, MI 49045

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1970
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Jul 2012)
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`80-43-050-004-00`

Property Details

APN / Parcel Number

Primary APN	`80-43-050-004-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	1,432 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 GREGORY TER
City	DECATUR
State	MI
Zip	49045-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GEN BUS
Legal Description	1052-E4 19-4-14 576-529 1356-974 1421-882 * LOT 4 GREGORY PLACE. *** THIS PROPERTY WAS ANNEXED INTO THE VILLAGE OF DECATUR
Legal Subdivision	GREGORY PLACE
Legal Lot Number	4
Jurisdiction	VAN BUREN MI
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1021
Census Tract	11601

Owner

412 Gregory Ter is owned and occupied by an individual who acquired it in December 2022.

Source: Van Buren County records, as of August 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	412 GREGORY TER, DECATUR, MI 49045-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 15, 2022	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2012 · Amount on File
Deed Sale	Jul 23, 2012 · Amount on File
Prior Sale	Jul 23, 2012 · Amount on File
Deed Book / Page	1570 / 498
Last Transfer Date	Dec 12, 2022
Transfer Doc	001746/846
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	412 GREGORY TER, DECATUR, MI 49045-1334
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 GREGORY TER, DECATUR, MI 49045-1334

Mortgage

Document Number	001784/493
Date	Oct 7, 2025
Book Page	1784/493

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VAN BUREN MI
Recording Date	Dec 15, 2022
Property Address	412 GREGORY TER, DECATUR, MI 49045-1334
Document Number	001746/846
Book / Page	1746 / 846
Map Reference	LB 5 PG 33
Instrument Date	Dec 12, 2022
Transaction Type	Transfer
Record Updated	Aug 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 293, DECATUR, MI 49045-0293

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 GREGORY TER, DECATUR, MI 49045-1334

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VAN BUREN MI
Recording Date	Feb 4, 2019
Property Address	412 GREGORY TER, DECATUR, MI 49045-1334
Document Number	1679/0226
Book / Page	1679 / 0226
Map Reference	LB 5 PG 33
Instrument Date	Jan 24, 2019
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 293, DECATUR, MI 49045-0293

Tax Assessment & Valuation

The 2025 property tax bill for 412 Gregory Ter was $1,964 with a homeowner's exemption, up 2.8% from the year before.

Source: Van Buren County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Van Buren County
County Subdivision	Decatur Township
Municipality	Decatur Village
Unified School District	Decatur Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,900 (+6.67%)	$207,800 (+6.67%)
2025	$1,964.00 (+2.83%) Homeowner's exemption	$97,400	$194,800
2024	$1,910.00
2023		$81,300	$162,600
2020	$1,565.00

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

Flood

FEMA maps place 412 Gregory Ter 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 June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 412 Gregory Ter 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	DECATUR serves 1,838 people · EPA ID MI0001750
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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