Genesee County property record for 428 Pine St, Clio, MI 48420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,627 sqft · built 1900 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $189,900 (Oct 2025) |
| Tax Bill | $2,346 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Mar 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-22-527-079 |
| Primary APN | 51-22-527-079 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,627 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 676 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 7,928 sqft (0.182 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 PINE ST |
|---|---|
| City | CLIO |
| State | MI |
| Zip | 48420-1533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 11 BLK R ORIGINAL PLAT OF CITY OF CLIO |
| Legal Subdivision | ORIGINAL PLAT |
| Legal Block | R |
| Legal Lot Number | 11 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | CLIO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10110 |
Source: Genesee County records, as of May 27, 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 | 13318 DIXIE HWY, HOLLY, MI 48442-9732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU |
| Mar 18, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 2, 2018 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Apr 10, 2017 | Deed of Trust, Mortgage · Line of Credit MICHIGAN H/O ASSISTANCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on Record |
| Deed Sale | Oct 1, 2025 · Amount on Record |
| Prior Sale | Mar 18, 2021 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Oct 1, 2025 |
| Property Address | 428 PINE ST, CLIO, MI 48420-1533 |
| Document Number | 0000014528 |
| Map Reference | LB 35 PG 639 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 202510010014528 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 428 PINE ST, CLIO, MI 48420-1533 |
| Name | Verified Name |
|---|---|
| Address | 428 PINE ST, CLIO, MI 48420-1533 |
| Document Number | 0000013345 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 202509230013345 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Number | 0000013345 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 202509230013345 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Mar 18, 2021 |
| Property Address | 428 PINE ST, CLIO, MI 48420-1533 |
| Document Number | 202103180018380 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 202103180018380 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,462.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 428 PINE ST, 428, CLIO, MI 48420-1533 |
| Name | Verified Name |
|---|---|
| Address | 3590 LOBDELL RD, CLIO, MI 48420 |
| Investor | Possibly a Property Investor |
| Document Number | 202103180018347 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 202103180018347 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 428 PINE ST, CLIO, MI 48420-1533 |
| Document Number | 0000085948 |
| Instrument Date | Aug 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Name | Verified Name |
|---|---|
| Address | 428 PINE ST CLIO MI 484201533, CLIO, MI 48420-1533 |
| Document Number | 0000085948 |
|---|---|
| Date | Sep 10, 2018 |
| Instrument | 85948 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 9, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 428 PINE ST, CLIO, MI 48420-1533 |
| Document Number | 0000034411 |
| Instrument Date | Apr 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 428 PINE ST CLIO MI 484201533, CLIO, MI 48420-1533 |
| Document Number | 0000034411 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 34411 |
| Name | MICHIGAN H/O ASSISTANCE |
|---|---|
| Address | LANSING, MI 48912 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Genesee County assessment roll, as of October 3, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Clio City |
| Unified School District | Clio Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,346.00 (-27.01%) Homeowner's exemption | $82,700 (+7.68%) | $165,400 (+7.68%) |
| 2024 | $3,214.00 (+38.06%) | ||
| 2023 | $76,800 | $153,600 | |
| 2021 | $2,328.00 |
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.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CLIO serves 2,515 people · EPA ID MI0001490 |
|---|---|
| Water Source | Purchased surface water from GENESEE COUNTY WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T DSL | 100 / 20 |
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