4380 Payne Rd, Bancroft, MI 48414 Property Records

Shiawassee County property record for 4380 Payne Rd, Bancroft, MI 48414

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,562 sqft · built 1900
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-35-300-010`

Property Details

APN / Parcel Number

Primary APN	`011-35-300-010`
Alternative APN	`0113530001000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,562 sqft Living Area
1st Floor Area	1,249 sqft
Basement Area	352 sqft
Unfinished Basement	352 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	87,120 sqft (2 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4380 PAYNE RD
City	BANCROFT
State	MI
Zip	48414-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 35 T6N R3E COM AT A POINT 11 RODS W OF NE COR OF E 12 OF SW 14 W 19 RODS S 17 RODS E 19 RODS N 17 RODS TO BEG 2 ACRES
Legal Range	03E
Legal Township	06N
Legal Section	35
Legal Block	5
Legal Lot Number	9-12
Jurisdiction	SHIAWASSEE MI
Township / Civil Division	SHIAWASSEE
Census Block Group	3
Census Block	3056
Census Tract	31302

Owner

Source: Shiawassee County records, as of October 20, 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	4380 PAYNE RD, BANCROFT, MI 48414-9425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Nov 26, 2018	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 6, 2010
Transfer Doc	0011510084
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	4380 PAYNE RD, BANCROFT, MI 48414-9425
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4380 PAYNE RD, BANCROFT, MI 48414-9425

Mortgage

Document Number	0012860044
Date	Aug 11, 2021
Book Page	1286/44
Instrument	3349850

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Jul 1, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Nov 26, 2018
Property Address	4380 PAYNE RD, BANCROFT, MI 48414-9425
Document Number	0012520036
Book / Page	001252 / 000036
Instrument Date	Jun 22, 2018
Instrument	3315449
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12266 LILLIE RD BYRON MI 484189501, BYRON, MI 48418-9501

Mortgage

Document Number	12510482
Date	Nov 26, 2018
Book Page	001251/000482

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2048

Tax Assessment & Valuation

Source: Shiawassee County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Shiawassee Township
Unified School District	Durand Area Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,700 (+2.76%)	$193,400 (+2.76%)
2025	$2,114.00 (+2.72%) Homeowner's exemption	$94,100 (+20.49%)	$188,200 (+20.49%)
2024	$2,058.00 (+10.41%)
2023	$1,864.00 Homeowner's exemption	$78,100	$156,200

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 April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: AT&T, Spectrum.

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