428 E Main St, Elsie, MI 48831 Property Records

Clinton County property record for 428 E Main St, Elsie, MI 48831

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,032 sqft · built 2004
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on File
Last Sale	$134,000 (Mar 2016)
Tax Bill	$1,081 (2025)
Deeds & Mortgages	Sep 2017 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`061-160-000-019-60`

Property Details

APN / Parcel Number

Primary APN	`061-160-000-019-60`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
1st Floor Area	2,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)
Lot Dimensions	275 ft deep x 198 ft wide
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	428 E MAIN ST
City	ELSIE
State	MI
Zip	48831-8715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 19, LYMAN COBBS ADD TO VILLAGE OF ELSIE AND COM. 20 RODS W OF 1/4 POST ON N SIDE OF SEC 13 T8N R1W, THEN S 20 RODS, W 8
Legal Range	01W
Legal Township	08N
Legal Section	13
Legal Subdivision	LYMAN COBBS ADD
Legal Lot Number	19
Jurisdiction	CLINTON MI
Township / Civil Division	DUPLAIN
Census Block Group	1
Census Block	1030
Census Tract	10702

Owner

Source: Clinton County records · APN 061-160-000-019-60

Assessment roll updated June 2, 2026 · Last verified June 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 File
Mailing Address	428 E MAIN ST, ELSIE, MI 48831-8715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 02, 2016 · Amount on Record
Deed Sale	Mar 02, 2016 · Amount on Record
Deed Document Number	20165238113
Last Transfer Date	Sep 11, 2017
Transfer Doc	5258339
Record Updated	Sep 20, 2026

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON MI
Recording Date	Sep 18, 2017
Property Address	428 E MAIN ST, ELSIE, MI 48831-8715
Document Number	5258339
Instrument Date	Sep 11, 2017
Instrument	5258339
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 E MAIN ST, ELSIE, MI 48831-8715

Mortgage

Document Number	5258340
Date	Sep 18, 2017
Instrument	5258340

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.46%
Type Change Date	Oct 01, 2018
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: Clinton County records · Assessment roll updated June 2, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Clinton County
County Subdivision	Duplain Township
Municipality	Elsie Village
Unified School District	Ovid-Elsie Area Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,000 (-3.38%) Land $7,500 Building $115,500	$246,000 (-3.38%) Land $15,000 Building $231,000
2025	$1,081.00 (-60.92%) Homeowner's exemption	$127,300 (+27.3%) Land $7,500 Building $119,800	$254,600 (+27.3%) Land $15,000 Building $239,600
2024	$2,766.00 (+12.44%)
2023	$2,460.00 Homeowner's exemption	$100,000	$200,000
2022	$2,460.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 3, 2011 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 307 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGE OF ELSIE serves 930 people
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.