442 Railroad St, Concord, MI 49237 Property Records

Jackson County property record for 442 Railroad St, Concord, MI 49237

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,429 sqft · built 1992
Lot Size	2.1 acres (91,476 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Apr 2020)
Tax Bill	$3,967 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-11-27-351-113-07`

Property Details

APN / Parcel Number

Primary APN	`005-11-27-351-113-07`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,429 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	1,326 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	91,476 sqft (2.1 acres)
Lot Dimensions	322 ft deep x 298 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	442 RAILROAD ST
City	CONCORD
State	MI
Zip	49237-9561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URRES
Legal Description	BEG AT SE COR OF SEC 27 TH N 599.94 FT ALG E SEC LN TO CEN OF HANOVER ST TH N61?30'W 650.10 FT ALG CEN OF SD ST TH N20?E
Legal Range	03W
Legal Township	03S
Legal Section	27
Legal Subdivision	VILLAGE OF CONCORD
Legal Lot Number	137
Jurisdiction	JACKSON MI
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1077
Census Tract	6401

Owner

Source: Jackson County records, as of October 16, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	442 RAILROAD ST, CONCORD, MI 49237-9561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Apr 30, 2020	Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS
Apr 17, 2020	Deed of Trust, Mortgage · Conventional with PMI OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	20202849541
Deed Book / Page	2161 / 1052
Prior Transfer Date	Feb 4, 2016
Prior Transfer Doc	0002733936
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	442 RAILROAD ST, CONCORD, MI 49237-9561
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 RAILROAD ST, CONCORD, MI 49237-9561

Mortgage

Document Number	0002927822
Date	Nov 29, 2022
Book Page	2222/31
Instrument	2927822

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Apr 30, 2020
Property Address	442 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002849541
Book / Page	002161 / 001052
Instrument Date	Apr 17, 2020
Instrument	2849541
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 RAILROAD ST CONCORD MI 492379561, CONCORD, MI 49237-9561

Mortgage

Document Number	2849180
Date	Apr 30, 2020
Book Page	002161/000691
Instrument	2849180

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	442 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002849180
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 RAILROAD ST CONCORD MI 492379561, CONCORD, MI 49237-9561

Mortgage

Document Number	0002849180
Date	Apr 24, 2020
Book Page	002161/000691
Instrument	2849180

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
County Subdivision	Concord Township
Municipality	Concord Village
Unified School District	Concord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,300 (+9.89%) Land $192,300	$384,600 (+9.89%) Land $384,600
2025	$3,967.00 (-21.24%)	$175,000 (+11.39%) Land $175,000	$350,000 (+11.39%) Land $350,000
2024	$5,037.00 (+10.17%)
2023		$157,100 Land $157,100	$314,200 Land $314,200
2022	$4,572.00

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 May 3, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2010 · river or lake flooding

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.

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.

Drinking Water

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

Water System	CONCORD serves 1,050 people · EPA ID MI0001580
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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