4593 N Cross Rd, Spring Arbor, MI 49283 Property Records

Jackson County property record for 4593 N Cross Rd, Spring Arbor, MI 49283

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 2000
Lot Size	2.67 acres (116,305 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jul 2019)
Tax Bill	$871 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`000-12-20-326-004-01`

Property Details

APN / Parcel Number

Primary APN	`000-12-20-326-004-01`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	116,305 sqft (2.67 acres)
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	4593 N CROSS RD
City	SPRING ARBOR
State	MI
Zip	49283-9671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RNF1/AG1
Legal Description	BEG AT SW COR OF SEC 20 TH W 217.80 FT (RECORD) TO CEN LN OF N CROSS RD TH N0DEG 11'48''E (RECORD N2DEG E) 2346.15 FT TO A PT
Legal Range	02W
Legal Township	03S
Legal Section	20
Jurisdiction	JACKSON MI
Township / Civil Division	SPRING ARBOR
Census Block Group	2
Census Block	2018
Census Tract	6401

Owner

Source: Jackson County records, as of June 29, 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	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit COUNTY NATIONAL BANK
Feb 4, 2019	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 9, 2020	Deed of Trust, Mortgage MORTGAGE ELECTRONIC REGISTRATI
Jul 26, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN
Jun 23, 2007	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Prior Sale	Nov 17, 2003 · Amount on Record
Deed Document Number	20192828112
Deed Book / Page	2145 / 424
Prior Transfer Date	Oct 19, 1998
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671

Mortgage

Document Number	0002895874
Date	Oct 7, 2021
Book Page	2197/584
Instrument	2895874

Lender

Name	COUNTY NATIONAL BANK
Type	Bank
Address	HILLSDALE, MI 49242

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 10, 2046

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002814355
Date	Feb 4, 2019
Book Page	2134/0967
Instrument	2814355

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2044

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MI
Property Address	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671
Document Number	0002848493
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4593 N CROSS RD MI, MI

Mortgage

Document Number	0002848493
Date	Apr 16, 2020
Book Page	002161/000004
Instrument	2848493

Lender

Name	MORTGAGE ELECTRONIC REGISTRATI

Agreement

Amount	Amount Recorded

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Jul 26, 2019
Property Address	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671
Document Number	0002828112
Book / Page	002145 / 000424
Instrument Date	Jul 23, 2019
Instrument	2828112
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	MIDSTATE TITLE AGENCY/STHRN MI L, MIDSTATE TITLE AGCY/STHRN MI L

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	352 DALTON RD JACKSON MI 492018828, JACKSON, MI 49201-8828

Mortgage

Document Number	2828113
Date	Jul 26, 2019
Book Page	002145/000425
Instrument	2828113

Lender

Name	MORTGAGE 1 AT SUBURBAN
Type	Mortgage Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

June 2007: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON MI
Property Address	4593 N CROSS RD, SPRING ARBOR, MI 49283-9671
Document Number	0002769466
Instrument Date	Jun 23, 2007
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4593 N CROSS

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,700 (+12.1%)	$183,400 (+12.1%)
2025	$871.00 (-57.28%)	$81,800 (+17.7%)	$163,600 (+17.7%)
2024	$2,039.00 (+10.16%)
2023		$69,500	$139,000
2022	$1,851.00

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

Source: FEMA National Flood Hazard Layer, effective May 3, 2010

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Cross Rd

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