5440 River Ridge Dr, Flushing, MI 48433 Property Records

Genesee County property record for 5440 River Ridge Dr, Flushing, MI 48433

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,620 sqft · built 1963
Lot Size	0.517 acres (22,531 sqft)
Owner	Individual Name on Record
Last Sale	$226,000 (Apr 2024)
Tax Bill	$4,142 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-22-502-006`

Property Details

APN / Parcel Number

Primary APN	`08-22-502-006`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Lot Area	22,531 sqft (0.517 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5440 RIVER RIDGE DR
City	FLUSHING
State	MI
Zip	48433-1062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Legal Description	LOT 37 RIVER RIDGE ESTATES NO 1 SEC 22 T8N R5E
Legal Range	05E
Legal Township	08N
Legal Section	22
Legal Subdivision	RIVER RIDGE ESTATES
Legal Lot Number	37
Jurisdiction	GENESEE MI
Township / Civil Division	FLUSHING
Census Block Group	2
Census Block	2002
Census Tract	10700

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 Record
Mailing Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 20, 2020	Loan Modification, Mortgage · FHA Mortgage FLAGSTAR BK
Jun 26, 2018	Warranty Deed, Transfer ALTA COMMITMENT FOR TITLE IN
Sep 11, 2017	Warranty Deed, Transfer · Conventional Mortgage DORT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2024 · Amount on Record
Deed Sale	Apr 5, 2024 · Amount on Record
Prior Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	202414492
Prior Transfer Date	May 26, 2010
Prior Transfer Doc	0000048102
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 5, 2024
Property Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062
Document Number	0000014492
Map Reference	LB 33 PG 23
Instrument Date	Apr 5, 2024
Instrument	202404050014492
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	TITLE RESOURCE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 PHEASANT LN, GRAND BLANC, MI 48439-7017
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014493
Date	Apr 5, 2024
Instrument	202404050014493

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GENESEE MI
Property Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062
Document Number	0000077012
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 RIVER RIDGE DR FLUSHING MI 48433, FLUSHING, MI 48433

Mortgage

Document Number	0000077012
Date	Nov 12, 2020
Instrument	77012

Lender

Name	FLAGSTAR BK
Type	Bank
Address	FLUSHING, MI 48433

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2050

Interest

Rate	3.5%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jun 26, 2018
Property Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062
Document Number	201806260073490
Map Reference	MB33 PG23
Instrument Date	Jun 15, 2018
Instrument	201806260073490
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	ALTA COMMITMENT FOR TITLE IN

Transaction

Amount	Amount Recorded
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5440 RIVER RD, 5440, FLUSHING, MI 48433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 11, 2017
Property Address	5440 RIVER RIDGE DR, FLUSHING, MI 48433-1062
Document Number	201709110059038
Map Reference	MB33 PG23
Instrument Date	Aug 22, 2017
Instrument	201709110059038
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	GARROW TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5440 RIVER RIDGE DR, 5440, FLUSHING, MI 48433-1062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1389 PLEASANT ST, LAPEER, MI 48446-3912
Investor	Possibly a Property Investor

Mortgage

Document Number	201709110059039
Date	Sep 11, 2017
Instrument	201709110059039

Lender

Name	DORT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Flushing Charter Township
Unified School District	Flushing Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,800 (+4.52%) Land $12,200 Building $112,600	$249,600 (+4.52%) Land $24,400 Building $225,200
2025	$4,142.00 (+36.34%) Homeowner's exemption	$119,400 (+18.92%)	$238,800 (+18.92%)
2024	$3,038.00 (+13.19%)
2023		$100,400	$200,800
2021	$2,684.00

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	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 FLUSHING serves 8,311 people · EPA ID MI0002340
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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