Shiawassee County property record for 417 E Water St, Vernon, MI 48476
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 832 sqft · built 1970 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,434 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012-74-003-017 |
| Primary APN | 012-74-003-017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 832 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Lot Area | 6,970 sqft (0.16 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 417 E WATER ST |
|---|---|
| City | VERNON |
| State | MI |
| Zip | 48476-9105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WULFF'S CARL C ADD VERNON VILLAGE LOT 27 BLK 3 |
| Legal Subdivision | WULFFS CARL C ADD |
| Legal Block | 3 |
| Legal Lot Number | 27 |
| Jurisdiction | SHIAWASSEE MI |
| Township / Civil Division | VERNON |
| Census Block Group | 2 |
| Census Block | 2067 |
| Census Tract | 31800 |
417 E Water St is owned and occupied by an individual.
Source: Shiawassee County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 417 E WATER ST, 181, VERNON, MI 48476-9105 |
| 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.
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 11, 2018 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | 417 E WATER ST, VERNON, MI 48476-9105 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 181, VERNON, MI 48476-0181 |
| Document Number | 0012890761 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 1289/761 |
| Instrument | 3353594 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHIAWASSEE MI |
| Property Address | WATER ST, VERNON, MI 48476 |
| Document Number | 0012430846 |
| Instrument Date | Mar 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 181 VERNON MI 484760181, VERNON, MI 48476-0181 |
| Document Number | 0012430846 |
|---|---|
| Date | Mar 20, 2018 |
| Book Page | 001243/000846 |
| Instrument | 3307215 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2048 |
The 2025 property tax bill for 417 E Water St was $1,434 with a homeowner's exemption, up 3.7% from the year before.
Source: Shiawassee County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Shiawassee County |
| County Subdivision | Vernon Township |
| Municipality | Vernon Village |
| Unified School District | Corunna Public School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $65,600 (+2.34%) | $131,200 (+2.34%) | |
| 2025 | $1,434.00 (+3.69%) Homeowner's exemption | $64,100 | $128,200 |
| 2024 | $1,383.00 (+19.33%) | ||
| 2023 | $1,159.00 Homeowner's exemption | $55,200 | $110,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 417 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 risk around 417 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.
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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