413 Cottage St, Olivet, MI 49076 Property Records

Eaton County property record for 413 Cottage St, Olivet, MI 49076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,752 sqft · built 1947
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,306 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60004060183000`

Property Details

APN / Parcel Number

Primary APN	`60004060183000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,752 sqft Living Area
1st Floor Area	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	184 ft deep x 100 ft wide
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 COTTAGE ST
City	OLIVET
State	MI
Zip	49076-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 183. ASSESSORS PLAT NO. THREE CITY OF OLIVET
Legal Subdivision	ASSESSORS PLAT #3
Legal Lot Number	183
Jurisdiction	EATON MI
Township / Civil Division	OLIVET
Census Block Group	1
Census Block	1001
Census Tract	21100

Owner

Source: Eaton County records, as of October 6, 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	413 COTTAGE ST, OLIVET, MI 49076-9761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 29, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 24, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 24, 2017	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2017
Deed Sale	Jan 24, 2017
Deed Book / Page	2662 / 520
Prior Transfer Date	Sep 8, 2016
Prior Transfer Doc	2641/0409
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Recording Date	Sep 24, 2026
Property Address	413 COTTAGE ST, OLIVET, MI 49076-9761
Document Number	0000004338
Book / Page	3213 / 456
Instrument Date	Sep 18, 2026
Instrument	20264338
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 COTTAGE ST, OLIVET, MI 49076-9761

Mortgage

Document Number	0000004338,
Date	Sep 24, 2026
Book Page	3213/456
Instrument	20264338

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	413 COTTAGE ST, OLIVET, MI 49076-9761
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 COTTAGE ST, OLIVET, MI 49076-9761

Mortgage

Document Number	003157/838
Date	Sep 29, 2025
Book Page	3157/838

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	413 COTTAGE ST, OLIVET, MI 49076-9761
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 COTTAGE ST, OLIVET, MI 49076-9761

Mortgage

Document Number	003040/218
Date	Feb 24, 2023
Book Page	3040/218

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jan 24, 2017
Property Address	413 COTTAGE ST, OLIVET, MI 49076-9761
Document Number	2662/0520
Book / Page	2662 / 0520
Map Reference	LB2 PG55
Instrument Date	Jan 19, 2017
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	MIDSTATE TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 COTTAGE ST, 413, OLIVET, MI 49076-9761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 COTTAGE ST, OLIVET, MI 49076-9761

Mortgage

Document Number	26620521
Date	Jan 24, 2017
Instrument	2662/0521

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
Municipality	Olivet City
Unified School District	Olivet Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,900 (+11.48%)	$186,425 (-) Land $43,218 Building $143,207
2025	$3,306.00 (+24.05%) Homeowner's exemption	$93,200 (+27.66%)	$186,425 (+27.68%) Land $43,218 Building $143,207
2024	$2,665.00 (+11.88%)
2023		$73,004	$146,008
2022	$2,382.00

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 November 26, 2010 · 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

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	CITY OF OLIVET serves 1,758 people · EPA ID MI0004990
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	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	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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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