Genesee County property record for 509 Oak St, Clio, MI 48420
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,544 sqft · built 1954 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $31,000 (Jan 2010) |
| Tax Bill | $2,219 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-14-551-049 |
| Primary APN | 51-14-551-049 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,544 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Sewer | Municipal |
| Street Address | 509 OAK ST |
|---|---|
| City | CLIO |
| State | MI |
| Zip | 48420-1255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 3 EXPIRING 12/30/2016. PROPERTY EXEMPT FROM AD VALOREM TAXES AND ASSESSED PURSUANT TO PA 261 OF 2003 EXPIRING 12/30/2014. |
| Legal Range | 06E |
| Legal Township | 09N |
| Legal Section | 14 |
| Legal Subdivision | HILLCREST CLIO |
| Legal Lot Number | 49-50 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | CLIO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10110 |
509 Oak St is owned and occupied by two individuals who bought it in January 2010.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 OAK ST, CLIO, MI 48420-1255 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2010 · Amount on File |
| Deed Sale | Jan 21, 2010 · Amount on File |
| Prior Sale | Mar 4, 2008 · Amount on File |
| Deed Document Number | 20103609 |
| Prior Transfer Date | Aug 27, 2008 |
| Prior Transfer Doc | 0000062825 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 509 OAK ST, CLIO, MI 48420-1255 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 509 OAK ST, CLIO, MI 48420-1255 |
| Document Number | 0000019099 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 202304110019099 |
| Name | STATE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | BEULAH, MI 49617 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 509 Oak St was $2,219 with a homeowner's exemption, up 2.5% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| Municipality | Clio City |
| Unified School District | Clio Area School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,500 (+0.9%) | $157,000 (+0.9%) | |
| 2025 | $2,219.00 (+2.49%) Homeowner's exemption | $77,800 | $155,600 |
| 2024 | $2,165.00 | ||
| 2023 | $69,300 | $138,600 | |
| 2021 | $1,916.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
The area around 509 Oak St has no burnable land within ember reach, 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 burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CLIO serves 2,515 people · EPA ID MI0001490 |
|---|---|
| Water Source | Purchased surface water from GENESEE COUNTY WATER SYSTEM |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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