Otsego County property record for 458 Garfield St, Vanderbilt, MI 49795
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,500 (Aug 2026) |
| Tax Bill | $740 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2026 Sale & Mortgage |
| APN | 045-100-000-056-01 |
| Primary APN | 045-100-000-056-01 |
|---|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 458 GARFIELD ST |
|---|---|
| City | VANDERBILT |
| State | MI |
| Zip | 49795-5102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 56 & W 1/2 OF LOT 55 BERRYS ADDITION VILLAGE OF VANDERBILT. SEC 22 & 27 T32N R3W. SPLIT FROM 045-100-000-054-00 |
| Legal Subdivision | BERRYS ADDITION |
| Legal Lot Number | 55-56 |
| Jurisdiction | OTSEGO MI |
| Township / Civil Division | CORWITH |
| Census Block Group | 2 |
| Census Block | 2070 |
| Census Tract | 950100 |
458 Garfield St is owned by two individuals who bought it in August 2026.
Source: Otsego County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 VALLEY RIDGE DR, PETOSKEY, MI 49770-8677 |
| 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.
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed of Trust, Mortgage · FHA Mortgage TOWNE MORTGAGE |
| Aug 4, 2026 | Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on File |
| Deed Sale | Aug 4, 2026 · Amount on File |
| Prior Sale | Jun 19, 2025 · Amount on File |
| Deed Book / Page | 1718 / 154 |
| Prior Transfer Date | Jun 13, 2025 |
| Prior Transfer Doc | 001684/550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Aug 4, 2026 |
| Property Address | 458 GARFIELD ST, VANDERBILT, MI 49795-5102 |
| Document Number | 1718000156 |
| Book / Page | 1718 / 156 |
| Instrument Date | Jul 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 1718000156, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 1718/156 |
| Name | TOWNE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO MI |
| Recording Date | Aug 4, 2026 |
| Property Address | 458 GARFIELD ST, VANDERBILT, MI 49795-5102 |
| Document Number | 1718000154 |
| Book / Page | 1718 / 154 |
| Instrument Date | Jul 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 1718000156, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 1718/156 |
| Name | TOWNE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 458 Garfield St was $740, up 9.8% from the year before.
Source: Otsego County assessment roll, as of October 22, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Otsego County |
| County Subdivision | Corwith Township |
| Municipality | Vanderbilt Village |
| Unified School District | Vanderbilt Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $33,400 (+6.71%) | $66,800 (+6.71%) | |
| 2025 | $740.00 (+9.79%) Homeowner's exemption | $31,300 | $62,600 |
| 2024 | $674.00 | ||
| 2023 | $29,900 | $59,800 | |
| 2022 | $440.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 458 Garfield St.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 458 Garfield St is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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