5203 Elko St, Flint, MI 48532 Property Records

Genesee County property record for 5203 Elko St, Flint, MI 48532

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,969 sqft · built 1948
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on File
Last Sale	$188,500 (Jun 2023)
Tax Bill	$4,569 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-20-526-021`

Property Details

APN / Parcel Number

Primary APN	`07-20-526-021`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,969 sqft Living Area
1st Floor Area	1,969 sqft
Basement Area	932 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5203 ELKO ST
City	FLINT
State	MI
Zip	48532-4135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 AND LOT 38 COMMUNITY FARMS SEC 20 T7N R6E
Legal Range	06E
Legal Township	07N
Legal Section	20
Legal Subdivision	COMMUNITY FARMS
Legal Lot Number	37-38
Jurisdiction	GENESEE MI
Township / Civil Division	FLINT
Census Block Group	3
Census Block	3004
Census Tract	10813

Owner

Source: Genesee County records, as of October 2, 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 File
Mailing Address	5203 ELKO ST, FLINT, MI 48532-4135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Jun 16, 2023	Warranty Deed, Transfer · FHA Mortgage LEGACY MORTGAGE
Dec 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 2, 2019	Warranty Deed, Transfer · Conventional Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on File
Deed Sale	Jun 16, 2023 · Amount on File
Prior Sale	Jul 2, 2019 · Amount on File
Deed Document Number	202336885
Prior Transfer Date	Jun 19, 2003
Prior Transfer Doc	0000120314
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	5203 ELKO ST, FLINT, MI 48532-4135
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5437 SHAMROCK LN, FLINT, MI 48506-2248
Investor	Possibly a Property Investor

Mortgage

Document Number	0000036284
Date	Jun 12, 2023
Instrument	202306120036284

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jun 16, 2023
Property Address	5203 ELKO ST, FLINT, MI 48532-4135
Document Number	0000036885
Map Reference	LB 16 PG14
Instrument Date	Jun 5, 2023
Instrument	202306160036885
Transaction Type	Transfer
Record Updated	Jul 6, 2023
Title Company	CISLO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,413.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5203 ELKO ST, FLINT, MI 48532-4135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5203 ELKO ST, FLINT, MI 48532-4135
Investor	Possibly a Property Investor

Mortgage

Document Number	0000036283
Date	Jun 12, 2023
Instrument	202306120036283

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company
Address	GRAND BLANC, MI 48439

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Dec 2, 2019
Property Address	5203 ELKO ST, FLINT, MI 48532-4135
Document Number	0000074239
Instrument Date	Dec 2, 2019
Instrument	74239
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11138 WASHBURN RD OTISVILLE MI 484639601, OTISVILLE, MI 48463-9601

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 2, 2019
Property Address	5203 ELKO ST, FLINT, MI 48532-4135
Document Number	201907020046877
Map Reference	LB 16 PG 14
Instrument Date	Jun 13, 2019
Instrument	201907020046877
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,161.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5203 ELKO ST, 5203, FLINT, MI 48532-4135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1006 RIVER ST, EAST TAWAS, MI 48730-9702

Mortgage

Document Number	201907020046878
Date	Jul 2, 2019
Instrument	201907020046878

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Flint Charter Township
Unified School District	Carman-Ainsworth Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,600 (+2.69%) Land $5,800 Building $108,800	$229,200 (+2.69%) Land $11,600 Building $217,600
2025	$4,569.00 (-0.61%) Homeowner's exemption	$111,600 (+25.53%)	$223,200 (+25.53%)
2024	$4,597.00 (+126.34%)
2023		$88,900 (+24.16%)	$177,800 (+24.16%)
2022		$71,600	$143,200
2021	$2,031.00

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 February 19, 2024

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 96% of the US · lower than 91% of Michigan
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	GENESEE COUNTY WATER SYSTEM serves 73,726 people · EPA ID MI0002615
Water Source	Purchased surface water from KAREGNONDI WATER AUTHORITY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2018
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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Frontier, Metronet, WOW Internet, Cable & Phone.

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