522 Spruce St, Olivet, MI 49076 Property Records

Eaton County property record for 522 Spruce St, Olivet, MI 49076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1956
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Oct 2024)
Tax Bill	$2,385 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60006060011000`

Property Details

APN / Parcel Number

Primary APN	`60006060011000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	233 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	522 SPRUCE ST
City	OLIVET
State	MI
Zip	49076-9480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11. PARSONS ADDITION CITY OF OLIVET
Legal Subdivision	PARSONS ADDITION
Legal Lot Number	11
Jurisdiction	EATON MI
Township / Civil Division	OLIVET
Census Block Group	1
Census Block	1017
Census Tract	21100

Owner

522 Spruce St is owned and occupied by an individual who bought it in October 2024.

Source: Eaton County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	522 SPRUCE ST, OLIVET, MI 49076-9480
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2024 · Amount on File
Deed Sale	Oct 11, 2024 · Amount on File
Prior Sale	Feb 4, 2022 · Amount on File
Deed Book / Page	3111 / 602
Prior Transfer Date	May 14, 2009
Prior Transfer Doc	2229/0982
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Feb 4, 2022
Property Address	522 SPRUCE ST, OLIVET, MI 49076-9480
Document Number	002985/675
Book / Page	2985 / 675
Map Reference	LB 1 PG 87A
Instrument Date	Feb 1, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6819 MARSHALL RD, 6819, OLIVET, MI 49076-9445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1492 W NYE HWY, OLIVET, MI 49076-9459

Mortgage

Document Number	0002985676
Date	Feb 4, 2022
Instrument	2985/676

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 522 Spruce St was $2,385 with a homeowner's exemption, up 20.9% from the year before.

Source: Eaton County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Eaton County
Municipality	Olivet City
Unified School District	Olivet Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,100 (+15.28%)	$100,851 (-) Land $41,398 Building $59,453
2025	$2,385.00 (+20.94%) Homeowner's exemption	$50,400	$100,851 Land $41,398 Building $59,453
2024	$1,972.00
2023		$38,160	$76,320
2022	$687.00

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 522 Spruce St in Zone X, an area of minimal flood risk.

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	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 522 Spruce St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Drinking Water

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

Water System	CITY OF OLIVET serves 1,758 people · EPA ID MI0004990
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	1 ppb (2022–2024) action level 15 ppb

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 82 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Midwest Energy & Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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