521 S E Ave, Athens, MI 49011 Property Records

Calhoun County property record for 521 S E Ave, Athens, MI 49011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1968
Lot Size	0.563 acres (24,524 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Nov 2025)
Tax Bill	$1,631 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`41-034-097-00`

Property Details

APN / Parcel Number

Primary APN	`41-034-097-00`
Alternative APN	`13-41-034-097-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Wood Siding
Lot Area	24,524 sqft (0.563 acres)
Lot Dimensions	148 ft deep x 160 ft wide
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	521 S E AVE
City	ATHENS
State	MI
Zip	49011-9334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 (LOW D
Legal Description	ATHENS VILLAGE/T4S R8W, SEC. 34: HOLLINGER'S 2ND ADD; LOTS 42 & 43
Legal Subdivision	HOLLINGERS 2ND ADDITION
Legal Lot Number	42-43
Jurisdiction	CALHOUN MI
Township / Civil Division	ATHENS
Census Block Group	2
Census Block	2002
Census Tract	2800

Owner

521 S E Ave is owned and occupied by an individual who bought it in November 2025.

Source: Calhoun County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	4970 2 MILE RD, ATHENS, MI 49011-9704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 6, 2009	Deed of Trust, Mortgage · FHA Mortgage ARBOR MORTGAGE CORP
Aug 25, 2008	Deed of Trust, Mortgage · FHA Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Mar 6, 2014	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Nov 26, 2025	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU
Nov 28, 2006	Warranty Deed, Transfer · ARM QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Prior Sale	Nov 28, 2006 · Amount on File
Deed Book / Page	4960 / 557
Prior Transfer Date	Oct 18, 2004
Prior Transfer Doc	2902000219
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004415/233
Date	Apr 29, 2020
Book Page	4415/233

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 S E AVE, ATHENS, MI 49011-9334

Mortgage

Document Number	004588/231
Date	Oct 7, 2021
Book Page	4588/231

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	4826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	NTA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03446/0749
Date	Apr 6, 2009
Book Page	3446/0749

Lender

Name	ARBOR MORTGAGE CORP
Type	Lending Institution
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2039

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMERICA ONE TITLE AGENCY, AMERICAS ONE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03397/0730
Date	Aug 25, 2008
Book Page	3397/0730

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2038

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MI
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03872/0892
Date	Mar 6, 2014
Book Page	3872/0892

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Mar 1, 2039

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN MI
Recording Date	Nov 26, 2025
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Document Number	004960/557
Book / Page	4960 / 557
Map Reference	LB 15 PG 22
Instrument Date	Nov 18, 2025
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 S E AVE, ATHENS, MI 49011-9334

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	4970 2 MILE RD, ATHENS, MI 49011-9704

Mortgage

Document Number	0004960560
Date	Nov 26, 2025
Instrument	4960/560

Lender

Name	CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN MI
Recording Date	Nov 28, 2006
Property Address	521 S E AVE, ATHENS, MI 49011-9334
Document Number	03213/0365
Book / Page	3213 / 0365
Map Reference	LB15 PG22
Instrument Date	Oct 10, 2006
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 S E AVE, ATHENS, MI 49011-9334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 18 1/2 MILE RD APT B, B, MARSHALL, MI 49068-9356

Mortgage

Document Number	0032130366
Date	Nov 28, 2006
Instrument	3213/0366

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Max Rate At Change	12.2%
Index	6-Month LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 521 S E Ave was $1,631 with a homeowner's exemption, up 2.9% from the year before.

Source: Calhoun County assessment roll, as of October 19, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Calhoun County
County Subdivision	Athens Township
Municipality	Athens Village
Unified School District	Athens Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,350 (+9.14%)
2025	$1,631.00 (+2.9%) Homeowner's exemption	$83,700	$182,700 (+9.14%)
2024	$1,585.00		$167,400 (+13.11%)
2023		$74,000	$148,000
2022	$1,402.00

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

FEMA maps place 521 S E Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 4, 2011 · 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.

Wildfire

Wildfire risk around 521 S E Ave 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 95% of the US · lower than 89% 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	ATHENS serves 956 people · EPA ID MI0000260
Water Source	Groundwater
Last State Inspection	Jul 2025
Copper	1.39 mg/L (2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

521 S E Ave, Athens, MI 49011 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2009: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2008: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2014: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2006: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S E Ave

Nearby Streets

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