537 Spruce St, Olivet, MI 49076 Property Records

Eaton County property record for 537 Spruce St, Olivet, MI 49076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jul 2020)
Tax Bill	$3,655 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60004460004100`

Property Details

APN / Parcel Number

Primary APN	`60004460004100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	1,151 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Lot Area	46,609 sqft (1.07 acres)
Lot Dimensions	297 ft deep x 156 ft wide
Garage Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	537 SPRUCE ST
City	OLIVET
State	MI
Zip	49076-9480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 & N 1/2 OF VACATED MAPLE ST. DEAN'S ADDITION, CITY OF OLIVET 1993
Legal Subdivision	OF VACATED MAPLE ST DEANS ADD
Legal Lot Number	4
Jurisdiction	EATON MI
Township / Civil Division	OLIVET
Census Block Group	1
Census Block	1018
Census Tract	21100

Owner

Source: Eaton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	537 SPRUCE ST, OLIVET, MI 49076-9480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Jul 15, 2020	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Deed Book / Page	2856 / 871
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EATON MI
Property Address	537 SPRUCE ST, OLIVET, MI 49076-9480
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002862/160
Date	Aug 13, 2020
Book Page	2862/160

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Jul 15, 2020
Property Address	537 SPRUCE ST, OLIVET, MI 49076-9480
Document Number	002856/871
Book / Page	2856 / 871
Map Reference	LB 1 PG 82-B
Instrument Date	Jul 2, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	537 SPRUCE ST, 537, OLIVET, MI 49076-9480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E LAWRENCE AVE, CHARLOTTE, MI 48813-1519

Mortgage

Document Number	0002856873
Date	Jul 15, 2020
Instrument	2856/873

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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		$99,500 (+29.03%)	$196,278 (+27.26%) Land $24,362 Building $171,916
2025	$3,655.00 (+10.99%)
2023		$77,116	$154,232
2022	$3,293.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	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	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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