415 W Main St, Carson City, MI 48811 Property Records

Montcalm County property record for 415 W Main St, Carson City, MI 48811

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,828 sqft · built 1900
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2021)
Tax Bill	$3,125 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 3 more
APN	`051-116-107-00`

Property Details

APN / Parcel Number

Primary APN	`051-116-107-00`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,828 sqft Building Perimeter
1st Floor Area	1,536 sqft
Basement Area	1,168 sqft
Unfinished Basement	1,168 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	115 ft deep x 132 ft wide
Garage Area	1,200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 W MAIN ST
City	CARSON CITY
State	MI
Zip	48811-8592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. LOTS 107 & 108 BLK 16 ORIGINAL PLAT OF VILLAGE OF CARSON CITY.
Legal Subdivision	ORIGINAL PLAT
Legal Block	16
Legal Lot Number	107-108
Jurisdiction	MONTCALM MI
Township / Civil Division	CARSON CITY
Census Block Group	3
Census Block	3061
Census Tract	971000

Owner

415 W Main St is owned and occupied by an individual who bought it in September 2021.

Source: Montcalm County records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	415 W MAIN ST, CARSON CITY, MI 48811-8592
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
May 6, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
May 21, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) UNITED STATES OF AMERICA
Sep 20, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	May 24, 2017 · Amount on File
Deed Document Number	202113329
Prior Transfer Date	Sep 23, 2007
Prior Transfer Doc	1379/0780
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	415 W MAIN ST, CARSON CITY, MI 48811-8592
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R06898
Date	May 6, 2021
Instrument	2021R-06898

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Jun 1, 2047

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	415 W MAIN ST, CARSON CITY, MI 48811-8592
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R07783
Date	May 21, 2021
Instrument	2021R-07783

Lender

Name	UNITED STATES OF AMERICA

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	313 Months
Due	Jun 1, 2047

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Sep 20, 2021
Property Address	415 W MAIN ST, CARSON CITY, MI 48811-8592
Document Number	2021R13329
Instrument Date	Sep 15, 2021
Instrument	2021R13329
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	SUN CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 S 5TH ST, CARSON CITY, MI 48811-9699
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R13330
Date	Sep 20, 2021
Instrument	2021R-13330

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	415 W MAIN ST, CARSON CITY, MI 48811-8592
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/05968
Date	May 24, 2017
Book Page	2017/05968

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	May 24, 2017
Property Address	415 W MAIN ST, CARSON CITY, MI 48811-8592
Document Number	2017/5967
Book / Page	2017 / 5967
Instrument Date	May 17, 2017
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$799.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 W MAIN ST, 415, CARSON CITY, MI 48811-8592

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 N MAIN ST, SHERIDAN, MI 48884-8350

Mortgage

Document Number	2017/05968
Date	May 24, 2017
Book Page	2017/05968

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 415 W Main St was $3,125, up 3.1% from the year before.

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
Municipality	Carson City
Unified School District	Carson City-Crystal Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,400 (+9.84%)	$238,800 (+9.84%)
2025	$3,125.00 (+3.1%)	$108,700	$217,400
2024	$3,031.00
2023		$79,200	$79,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 415 W Main St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 415 W Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CARSON CITY serves 3,322 people · EPA ID MI0001170
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 232 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
CMS Internet Fiber · Fixed Wireless	1,000 / 1,000
Point Broadband Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Baraga Telephone Company.

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