415 E Water St, Vernon, MI 48476 Property Records

Shiawassee County property record for 415 E Water St, Vernon, MI 48476

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1970
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Jul 2020)
Tax Bill	$1,435 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-74-003-016`

Property Details

APN / Parcel Number

Primary APN	`012-74-003-016`
Alternative APN	`0127400301600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Multi-Family
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 E WATER ST
City	VERNON
State	MI
Zip	48476-9105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF VERNON WULFF'S CARL C ADD LOT 26 BLK 3
Legal Subdivision	WULFFS CARL C ADD
Legal Block	3
Legal Lot Number	26
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2067
Census Tract	31800

Owner

415 E Water St is owned and occupied by an individual who bought it in July 2020.

Source: Shiawassee County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 68, VERNON, MI 48476-0068
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
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Jul 2, 2020	Warranty Deed, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	Apr 20, 2016 · Amount on File
Deed Document Number	20203334091
Deed Book / Page	1270 / 450
Prior Transfer Date	Feb 17, 2012
Prior Transfer Doc	0011680394
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	415 E WATER ST, VERNON, MI 48476-9105
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 E WATER ST F, F, VERNON, MI 48476-9105

Mortgage

Document Number	0012980967
Date	Jul 27, 2022
Book Page	1298/967
Instrument	3362926

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	FREELAND, MI 48623

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jul 2, 2020
Property Address	415 E WATER ST, VERNON, MI 48476-9105
Document Number	0012700450
Book / Page	001270 / 000450
Instrument Date	Jun 19, 2020
Instrument	3334091
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7140 GRAND RIVER RD BANCROFT MI 484149480, BANCROFT, MI 48414-9480

Mortgage

Document Number	12700451
Date	Jul 2, 2020
Book Page	001270/000451
Instrument	3334092

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 415 E Water St was $1,435 with a homeowner's exemption, up 3.7% from the year before.

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Vernon Township
Municipality	Vernon Village
Unified School District	Corunna Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,600 (+2.17%)	$113,200 (+2.17%)
2025	$1,435.00 (+3.68%) Homeowner's exemption	$55,400	$110,800
2024	$1,384.00 (+19.31%)
2023	$1,160.00 Homeowner's exemption	$47,900	$95,800

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

Flood

FEMA maps place 415 E Water St 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 April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 415 E Water St is low, with less than 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 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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