412 W Prospect St, Jackson, MI 49203 Property Records

Jackson County property record for 412 W Prospect St, Jackson, MI 49203

Property Summary

Property Type	Office Building
Details	3,798 sqft · built 1950
Lot Size	0.136 acres (5,924 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Aug 2020)
Tax Bill	$4,454 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Aug 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-2419.2000`

Property Details

APN / Parcel Number

Primary APN	`3-2419.2000`

Interior

Stories	1 Story
Building Area	3,798 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	5,924 sqft (0.136 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 W PROSPECT ST
City	JACKSON
State	MI
Zip	49203-4009
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C-2
Legal Description	2419 2420 LOT 11 BLK 5 PROSPECT ADD
Legal Subdivision	PROSPECT ADD
Legal Block	5
Legal Lot Number	11
Legal Unit	11
Jurisdiction	JACKSON MI
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3031
Census Tract	1300

Owner

Source: Jackson County records, as of June 29, 2026

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

Owner of Record	Company Name on Record
Mailing Address	5825 BROWNS LAKE RD, JACKSON, MI 49203-5606
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHERN MICHIGAN BANK & TRUST
Aug 19, 2020	Warranty Deed, Transfer · Line of Credit COUNTY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2020 · Amount on Record
Deed Sale	Aug 19, 2020 · Amount on Record
Prior Sale	Apr 10, 2003 · Amount on Record
Deed Document Number	20202857405
Deed Book / Page	2167 / 1116
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	412 W PROSPECT ST, JACKSON, MI 49203-4009
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002986129
Date	Jul 15, 2025
Book Page	2266/1136
Instrument	2986129

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Aug 19, 2020
Property Address	412 W PROSPECT ST, JACKSON, MI 49203-4009
Document Number	0002857405
Book / Page	2167 / 1116
Map Reference	LB 4 PG 23
Instrument Date	Aug 12, 2020
Instrument	2857405
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2090 RIDGEWAY RD, 2090, JACKSON, MI 49203-5169

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3715 KIMMEL RD, HORTON, MI 49246-9593

Mortgage

Document Number	0021671117
Date	Aug 19, 2020
Instrument	2167-1117

Lender

Name	COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 12, 2040

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,000 (+5.08%)	$182,000 (+5.08%)
2025	$4,454.00 (-11.56%)	$86,600 (+23.89%)	$173,200 (+23.89%)
2024	$5,036.00 (+6.16%)
2023		$69,900	$139,800
2022	$4,744.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 3, 2010

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	Direct burnable vegetation

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	JACKSON serves 33,165 people · EPA ID MI0003470
Water Source	Groundwater influenced by surface water
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Dec 2020
Monitoring and Reporting	21 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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