430 Spruce St, Mount Morris, MI 48458 Property Records

Genesee County property record for 430 Spruce St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,188 sqft · built 1935
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on Record
Last Sale	$69,900 (Oct 2018)
Tax Bill	$2,137 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`57-12-527-099`

Property Details

APN / Parcel Number

Primary APN	`57-12-527-099`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	988 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	430 SPRUCE ST
City	MOUNT MORRIS
State	MI
Zip	48458-1939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	LOT 126 PLAT OF BUENA VISTA
Legal Subdivision	PLAT
Legal Lot Number	126
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2030
Census Tract	12310

Owner

Source: Genesee County records, as of October 2, 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	430 SPRUCE ST, MOUNT MORRIS, MI 48458-1939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 22, 2018	Warranty Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2018 · Amount on Record
Deed Sale	Oct 22, 2018 · Amount on Record
Prior Sale	Jul 15, 2011 · Amount on Record
Deed Document Number	201893834
Prior Transfer Date	May 26, 2010
Prior Transfer Doc	0000050203
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	430 SPRUCE ST, MOUNT MORRIS, MI 48458-1939
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 SPRUCE ST, MOUNT MORRIS, MI 48458-1939

Mortgage

Document Number	0000024391
Date	Apr 11, 2023
Instrument	202304110024391

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	EDGEWOOD, MD 21040

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Feb 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 22, 2018
Property Address	430 SPRUCE ST, MOUNT MORRIS, MI 48458-1939
Document Number	0000093834
Map Reference	LB5 PG32
Instrument Date	Oct 15, 2018
Instrument	201810220093834
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5290 W WILSON RD, 5290, CLIO, MI 48420-9488

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1729 OHIO AVE, FLINT, MI 48506-4340

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Mount Morris City
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,500 (+15.93%) Land $2,700 Building $54,800	$115,000 (+15.93%) Land $5,400 Building $109,600
2025	$2,137.00 (+2.35%)	$49,600 (+6.9%)	$99,200 (+6.9%)
2024	$2,088.00 (-1.28%)
2023		$46,400	$92,800
2021	$2,115.00

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

Flood

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOUNT MORRIS serves 3,086 people · EPA ID MI0004520
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
Monitoring and Reporting	1 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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce St

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