426 Railroad St, Concord, MI 49237 Property Records

Jackson County property record for 426 Railroad St, Concord, MI 49237

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 2000
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (Dec 2020)
Tax Bill	$3,762 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-11-27-351-107-08`

Property Details

APN / Parcel Number

Primary APN	`005-11-27-351-107-08`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	146 ft deep x 179 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	426 RAILROAD ST
City	CONCORD
State	MI
Zip	49237-9561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUBRES
Legal Description	BEG AT SE COR OF SEC 27 TH N ALG E SEC LN 599.94 FT TO CEN LN OF HANOVER ST TH N 61? 30'W 650.1 FT ALG SD CEN LN TH N 20? E
Legal Range	03W
Legal Township	03S
Legal Section	27
Legal Subdivision	ASSRS VILLAGE OF CONCORD
Legal Lot Number	137
Jurisdiction	JACKSON MI
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1077
Census Tract	6401

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	Individual Name on Record
Mailing Address	426 RAILROAD ST, CONCORD, MI 49237-9561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Warranty Deed, Transfer · VA Mortgage FIRST SAVINGS BANK
Dec 29, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	Jul 9, 2001 · Amount on Record
Deed Document Number	20202868741
Deed Book / Page	2176 / 751
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Jan 18, 2023
Property Address	426 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002930489
Book / Page	2224 / 98
Instrument Date	Jan 6, 2023
Instrument	2930489
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,167.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2501 TREE HOUSE DR, WOODBRIDGE, VA 22192-1300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3409 CYPRESS, JACKSON, MI 49201-8698

Mortgage

Document Number	0022240099
Date	Jan 18, 2023
Instrument	2224-0099

Lender

Name	FIRST SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Dec 29, 2020
Property Address	426 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002868741
Book / Page	2176 / 751
Instrument Date	Dec 10, 2020
Instrument	2868741
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7861 US HIGHWAY 2, 7861, MANISTIQUE, MI 49854

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2501 TREE HOUSE DIRVE, WOODBRIDGE, VA 22192-1300

Mortgage

Document Number	0021760752
Date	Dec 29, 2020
Instrument	2176-0752

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
County Subdivision	Concord Township
Municipality	Concord Village
Unified School District	Concord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$145,600 (+9.31%) Land $145,600	$291,200 (+9.31%) Land $291,200
2025	$3,762.00 (-12.18%)	$133,200 (+16.13%) Land $133,200	$266,400 (+16.13%) Land $266,400
2024	$4,284.00 (-16.54%)
2023		$114,700 Land $114,700	$229,400 Land $229,400
2022	$5,133.00

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 · 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	5 in force
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2010 · river or lake flooding

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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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	CONCORD serves 1,050 people · EPA ID MI0001580
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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