412 Spruce St, Mount Morris, MI 48458 Property Records

Genesee County property record for 412 Spruce St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,090 sqft · built 1950
Lot Size	0.195 acres (8,494 sqft)
Owner	Individual Name on File
Last Sale	$58,300 (Dec 2009)
Tax Bill	$723 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-12-527-101`

Property Details

APN / Parcel Number

Primary APN	`57-12-527-101`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,090 sqft Living Area
1st Floor Area	1,090 sqft
Basement Area	480 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,494 sqft (0.195 acres)
Lot Dimensions	100 ft deep x 85 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 SPRUCE ST
City	MOUNT MORRIS
State	MI
Zip	48458-1939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	LOT 129 & ALL THAT PART OF E 1/2 OF VACATED MARGARET AVE ADJOINING LOT 129 ON THE W PLAT OF BUENA VISTA (78)
Legal Subdivision	WEST OF BUENA VISTA
Legal Lot Number	129
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2030
Census Tract	12310

Owner

Source: Genesee County assessment roll, as of October 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	412 SPRUCE ST, MOUNT MORRIS, MI 48458-1939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 15, 2009 · Amount on Record
Deed Sale	Dec 15, 2009 · Amount on Record
Prior Sale	May 29, 2009 · Amount on Record
Deed Document Number	200979034
Prior Transfer Date	Dec 28, 2000
Prior Transfer Doc	0000003333
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	412 SPRUCE ST, MOUNT MORRIS, MI 48458-1939
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202102180011266
Date	Feb 18, 2021
Instrument	202102180011266

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	168 Months
Due	Feb 1, 2035

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 3, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Mount Morris City
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$723.00 (-30.48%) Homeowner's exemption	$49,900 (+12.13%)	$99,800 (+12.13%)
2024	$1,040.00 (+10.64%)
2023		$44,500	$89,000
2021	$940.00

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOUNT MORRIS serves 3,086 people · EPA ID MI0004520
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce St

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