437 E Main St, Vernon, MI 48476 Property Records

Shiawassee County property record for 437 E Main St, Vernon, MI 48476 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Sep 2025)
Tax Bill	$2,350 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012-78-020-000`

Property Details

APN / Parcel Number

Primary APN	`012-78-020-000`
Alternative APN	`0127802000000`

Exterior

Lot Area	17,424 sqft (0.4 acres)

Location & Zoning

Street Address	437 E MAIN ST
City	VERNON
State	MI
Zip	48476-9122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF VERNON SEC 5 T6N R4E COM 818 FT E OF SW COR OF SEC E 100 FT N 183 FT W 100 FT S 183 FT TO BEG .4 ACRE
Legal Range	04E
Legal Township	06N
Legal Section	05
Legal Subdivision	SW4 SEC05 T6NR4E
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2031
Census Tract	31800

Owner

Source: Shiawassee County records · APN 012-78-020-000

Assessment roll updated July 16, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	8508 DUFFIELD RD, GAINES, MI 48436-9795
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Sep 16, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 03, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 04, 2022	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC
May 12, 2020	Warranty Deed, Transfer · Conventional Mortgage THE DART BANK
May 12, 2020	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Oct 03, 2022 · Amount on Record
Deed Document Number	20253395525
Deed Book / Page	1331 / 79
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Recording Date	Jun 08, 2026
Property Address	437 E MAIN ST, VERNON, MI 48476-9122
Document Number	0003404006
Book / Page	1339 / 427
Instrument Date	Jun 01, 2026
Instrument	20263404006
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 E MAIN ST, VERNON, MI 48476-9122
Investor	Possibly a Property Investor

Mortgage

Document Number	0003404006,
Date	Jun 08, 2026
Book Page	1339/427
Instrument	20263404006

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Sep 16, 2025
Property Address	437 E MAIN ST, VERNON, MI 48476-9122
Document Number	0013310079
Book / Page	1331 / 79
Instrument Date	Sep 16, 2025
Instrument	3395525
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	SELECT TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8508 DUFFIELD RD, GAINES, MI 48436-9795
Investor	Possibly a Property Investor

Mortgage

Document Number	0003395526
Date	Sep 16, 2025
Instrument	3395526

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	437 E MAIN ST, VERNON, MI 48476-9122
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 WINDING RIDGE DR, GRAND BLANC, MI 48439-7554

Mortgage

Document Number	0013000963
Date	Oct 03, 2022
Book Page	1300/963
Instrument	3364938

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Oct 04, 2022
Property Address	437 E MAIN ST, VERNON, MI 48476-9122
Document Number	0013000990
Book / Page	1300 / 990
Instrument Date	Sep 23, 2022
Instrument	3364965
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$1,181.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	437 E MAIN ST, VERNON, MI 48476-9122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 E MAIN ST, VERNON, MI 48476-9122

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	May 12, 2020
Property Address	437 E MAIN ST, VERNON, MI 48476-9122
Document Number	0012680895
Book / Page	1268 / 895
Instrument Date	May 09, 2020
Instrument	3332537
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$851.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	437 E MAIN ST, VERNON, MI 48476-9122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7129 S DELANEY RD, OWOSSO, MI 48867-8700

Mortgage

Document Number	0003332538
Date	May 12, 2020
Instrument	3332538

Lender

Name	THE DART BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	May 12, 2020
Property Address	437 E MAIN ST, VERNON, MI 48476-9122
Document Number	0012680894
Book / Page	001268 / 000894
Instrument Date	May 08, 2020
Instrument	3332536
Transaction Type	Transfer
Record Updated	Jul 06, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 E MAIN ST VERNON MI 484769122, VERNON, MI 48476-9122

Tax Assessment & Valuation

Source: Shiawassee County records · Assessment roll updated July 16, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Vernon Township
Municipality	Vernon Village
Unified School District	Corunna Public School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$99,200 (+10.59%)	$198,400 (+10.59%)
2025	$2,350.00 (+3.3%) Homeowner's exemption	$89,700 (+15.89%)	$179,400 (+15.89%)
2024	$2,275.00 (+25.28%)
2023	$1,816.00 Homeowner's exemption	$77,400	$154,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Shiawassee County (26155C), updated April 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261550318002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 4% of the US · above 9% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 222 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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