604 Union St, Eaton Rapids, MI 48827 Property Records

Eaton County property record for 604 Union St, Eaton Rapids, MI 48827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,319 sqft · built 1972
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Apr 2022)
Tax Bill	$4,944 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30008160003000`

Property Details

APN / Parcel Number

Primary APN	`30008160003000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,319 sqft Living Area
1st Floor Area	1,611 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Area	1,104 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 UNION ST
City	EATON RAPIDS
State	MI
Zip	48827-1371
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD1
Legal Description	LOT 3. TEEL SUBDIVISION-EATON RAPIDS NO. 1 SEC. 34, T2N,R3W, CITY OF EATON RAPIDS
Legal Range	03W
Legal Township	02N
Legal Section	34
Legal Subdivision	TEEL SUBDIVISION
Legal Lot Number	3
Jurisdiction	EATON MI
Township / Civil Division	EATON RAPIDS
Census Block Group	2
Census Block	2029
Census Tract	21301

Owner

604 Union St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	604 UNION ST, EATON RAPIDS, MI 48827-1371
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

Date	Document
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 14, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2022 · Amount on File
Deed Sale	Apr 15, 2022 · Amount on File
Prior Sale	Sep 14, 2017 · Amount on File
Deed Book / Page	2997 / 658
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Apr 15, 2022
Property Address	604 UNION ST, EATON RAPIDS, MI 48827-1371
Document Number	002997/658
Book / Page	2997 / 658
Map Reference	LB 6 PG 14&15
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,612.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 UNION ST, 604, EATON RAPIDS, MI 48827-1371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 N CLINTON ST, CHARLOTTE, MI 48813-1212

Mortgage

Document Number	0002997660
Date	Apr 15, 2022
Instrument	2997/660

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EATON MI
Recording Date	Sep 14, 2017
Property Address	604 UNION ST, EATON RAPIDS, MI 48827-1371
Document Number	2698/1082
Book / Page	2698 / 1082
Map Reference	LB6 PG14&15
Instrument Date	Sep 2, 2017
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	TRI-COUNTY TITLE AGENCY LLC, TRI COUNTY TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,419.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 UNION ST, 604, EATON RAPIDS, MI 48827-1371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 BUTTERFIELD HWY, SPRINGPORT, MI 49284

Mortgage

Document Number	26981083
Date	Sep 14, 2017
Instrument	2698/1083

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 604 Union St was $4,944 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,200	$253,908 Land $37,824 Building $216,084
2025	$4,944.00
2023		$118,000	$236,000
2022	$3,782.00

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

Flood

FEMA maps place 604 Union St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.

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	6 in force
Nearby Flood Claims	4 (1999–2004)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2004 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2004 · 2 claims

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

The area around 604 Union St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 EATON RAPIDS serves 5,340 people · EPA ID MI0002020
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 ppb (2025) action level 15 ppb
Copper	1.46 mg/L (2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2026
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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T.

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