Eaton County property record for 518 State St, Eaton Rapids, MI 48827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,270 sqft · built 1930 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Aug 2022) |
| Tax Bill | $1,244 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30006960105001 |
| Primary APN | 30006960105001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,270 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Basement Area | 520 sqft |
| Unfinished Basement | 520 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Wood Siding |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 105 ft deep x 39.8 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 518 STATE ST |
|---|---|
| City | EATON RAPIDS |
| State | MI |
| Zip | 48827-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TRD |
| Legal Description | W 36 FT OF LOT 5 AND THE N 83.5 FT OF W 3.75 FT OF E 30 FT OF LOT 5. BLK 1, R.B. MONTGOMERY'S ADDITION, CITY OF EATON RAPIDS. 12-18-00 (ADJUSTMENT) |
| Legal Subdivision | RB MONTGOMERYS ADD |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | EATON MI |
| Township / Civil Division | EATON RAPIDS |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 21302 |
518 State St is owned and occupied by an individual who bought it in August 2022.
Source: Eaton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 STATE ST, EATON RAPIDS, MI 48827-1551 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU |
| Aug 30, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on File |
| Deed Sale | Aug 30, 2022 · Amount on File |
| Deed Book / Page | 3018 / 1112 |
| Prior Transfer Date | Apr 11, 2008 |
| Prior Transfer Doc | 2176/0487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EATON MI |
| Property Address | 518 STATE ST, EATON RAPIDS, MI 48827-1551 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 518 STATE ST, EATON RAPIDS, MI 48827-1551 |
| Document Number | 003169/721 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 3169/721 |
| Name | MICHIGAN STATE UNIVERSITY FCU |
|---|---|
| Type | Credit Union |
| Address | EAST LANSING, MI 48823 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 9, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EATON MI |
| Recording Date | Aug 30, 2022 |
| Property Address | 518 STATE ST, EATON RAPIDS, MI 48827-1551 |
| Document Number | 03018/1112 |
| Book / Page | 3018 / 1112 |
| Map Reference | LB 1 PG 80 |
| Instrument Date | Aug 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Tax Sale |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 518 STATE ST, EATON RAPIDS, MI 48827-1551 |
| Name | Verified Name |
|---|---|
| Address | 1405 HALL ST, EATON RAPIDS, MI 48827-1908 |
| Document Number | 0030181114 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 3018-1114 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
The 2025 property tax bill for 518 State St was $1,244 with a homeowner's exemption, down 0.1% from the year before.
Source: Eaton County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Eaton County |
| Municipality | Eaton Rapids City |
| Unified School District | Eaton Rapids Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $38,700 (+6.03%) | $72,807 (-) Land $29,798 Building $43,009 | |
| 2025 | $1,244.00 (-0.08%) Homeowner's exemption | $36,500 | $72,807 Land $29,798 Building $43,009 |
| 2024 | $1,245.00 | ||
| 2023 | $27,900 | $55,800 | |
| 2022 | $897.00 |
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.
FEMA maps place 518 State St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · 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 | 9 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2011 · 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 risk around 518 State St is low, with less than 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 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF EATON RAPIDS serves 5,340 people · EPA ID MI0002020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 4 ppb (2025) action level 15 ppb |
| Copper | 1.46 mg/L (2019) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2026 |
| 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 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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