640 N Scott St, Adrian, MI 49221 Property Records

Lenawee County property record for 640 N Scott St, Adrian, MI 49221

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,921 sqft · built 1980
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jan 2020)
Tax Bill	$5,394 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`XA0-285-0004-00`

Property Details

APN / Parcel Number

Primary APN	`XA0-285-0004-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	1,921 sqft Living Area
1st Floor Area	1,067 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Lot Area	30,928 sqft (0.71 acres)
Lot Dimensions	258 ft deep x 120 ft wide
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	10 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 N SCOTT ST
City	ADRIAN
State	MI
Zip	49221-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	S 120 FT OF N 340.4 FT OF W 257.73 FT LOT 1 ASSESSORS PLAT NO. 17 EX PLAT OF HILLCREST
Legal Subdivision	ASSESSORS PLAT
Legal Lot Number	1
Jurisdiction	LENAWEE MI
Township / Civil Division	ADRIAN
Census Block Group	1
Census Block	1001
Census Tract	61500

Owner

640 N Scott St is owned and occupied by two individuals who bought it in January 2020.

Source: Lenawee County records, as of July 31, 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	2 Individual Names on File
Mailing Address	640 N SCOTT ST, ADRIAN, MI 49221-1369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENISYS CREDIT UNION
Jan 8, 2020	Warranty Deed, Transfer · FHA Mortgage LEVEL ONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on File
Deed Sale	Jan 8, 2020 · Amount on File
Deed Book / Page	2591 / 426
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENAWEE MI
Property Address	640 N SCOTT ST, ADRIAN, MI 49221-1369
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026530112
Date	Mar 31, 2023
Book Page	2653/112

Lender

Name	GENISYS CREDIT UNION
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENAWEE MI
Recording Date	Jan 8, 2020
Property Address	640 N SCOTT ST, ADRIAN, MI 49221-1369
Document Number	0025910426
Book / Page	2591 / 426
Instrument Date	Jan 7, 2020
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 MELROSE AVE, ADRIAN, MI 49221-1219

Mortgage

Document Number	0025910427
Date	Jan 8, 2020
Book Page	2591/427

Lender

Name	LEVEL ONE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 640 N Scott St was $5,394 with a homeowner's exemption, up 2.5% from the year before.

Source: Lenawee County assessment roll, as of July 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Adrian City
County	Lenawee County
Unified School District	Adrian City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,900 (+4.93%)	$293,800 (+4.93%)
2025	$5,394.00 (+2.51%) Homeowner's exemption	$140,000	$280,000
2024	$5,262.00
2023		$126,100 (+11.99%)	$252,200 (+11.99%)
2022		$112,600	$225,200

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

Flood

FEMA maps place 640 N Scott St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 14, 2019 · 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
Nearby Flood Claims	2 (1979–2000)
Most Recent Claim	Apr 2000 · rainfall accumulation

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 640 N Scott St 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 94% of the US · lower than 87% 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	ADRIAN serves 23,663 people · EPA ID MI0000040
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
D&P Communications Fiber	4,000 / 4,000
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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