440 S Winter St, Adrian, MI 49221 Property Records

Lenawee County property record for 440 S Winter St, Adrian, MI 49221

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,266 sqft · built 1940
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Jul 2017)
Tax Bill	$2,163 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`XA0-245-2007-00`

Property Details

APN / Parcel Number

Primary APN	`XA0-245-2007-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,266 sqft Living Area
1st Floor Area	695 sqft
Basement Area	695 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	118 ft deep x 33 ft wide
Total Buildings	10 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	440 S WINTER ST
City	ADRIAN
State	MI
Zip	49221-3303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	E 118.8 FT LOT 6 BLK 2 ASSESSORS PLAT NO. 9
Legal Subdivision	ASSESSORS PLAT
Legal Block	2
Legal Lot Number	6
Jurisdiction	LENAWEE MI
Township / Civil Division	ADRIAN
Census Block Group	3
Census Block	3003
Census Tract	61302

Owner

440 S Winter St is owned and occupied by an individual who bought it in July 2017.

Source: Lenawee County records, as of July 31, 2026

Owner of Record	Individual Name on File
Mailing Address	440 S WINTER ST, ADRIAN, MI 49221-3303
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Oct 24, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 27, 2017	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 27, 2017	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2017 · Amount on File
Deed Sale	Jul 27, 2017 · Amount on File
Deed Book / Page	2549 / 149
Prior Transfer Date	Jul 25, 2017
Prior Transfer Doc	0025490148
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	440 S WINTER ST, ADRIAN, MI 49221-3303
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026590054
Date	Sep 1, 2023
Book Page	2659/54

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount on Record
Term	350 Months
Due	Nov 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Oct 24, 2022
Property Address	440 S WINTER ST, ADRIAN, MI 49221-3303
Document Number	0026460725
Book / Page	2646 / 725
Instrument Date	Oct 21, 2022
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1523 VILLAGE GREEN LN, ADRIAN, MI 49221-1819

Mortgage

Document Number	0026460698
Date	Oct 21, 2022
Book Page	2646/698

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LENAWEE MI
Recording Date	Jul 27, 2017
Property Address	440 S WINTER ST, ADRIAN, MI 49221-3303
Document Number	0025490148
Book / Page	002549 / 000148
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Jul 27, 2017
Property Address	440 S WINTER ST, ADRIAN, MI 49221-3303
Document Number	0025490149
Book / Page	2549 / 0149
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$774.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8401 FERGUSON ST, JASPER, MI 49248-9795
Investor	Possibly a Property Investor

Mortgage

Document Number	0025490150
Date	Jul 27, 2017
Book Page	2549/0150

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 440 S Winter St was $2,163 with a homeowner's exemption, up 2.3% from the year before.

Source: Lenawee County assessment roll, as of July 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Adrian City
County	Lenawee County
Unified School District	Adrian City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$53,400 (+5.95%)	$106,800 (+5.95%)
2025	$2,163.00 (+2.32%) Homeowner's exemption	$50,400	$100,800
2024	$2,114.00
2023		$42,300 (+5.75%)	$84,600 (+5.75%)
2022		$40,000	$80,000

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.

Flood

FEMA maps place 440 S Winter St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 14, 2019

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

No wildfire likelihood is modeled around 440 S Winter St, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no wildfire likelihood modeled here

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	ADRIAN serves 23,663 people · EPA ID MI0000040
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 499 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
D&P Communications Fiber	4,000 / 4,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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