6438 E Exchange Rd, Durand, MI 48429 Property Records

Shiawassee County property record for 6438 E Exchange Rd, Durand, MI 48429 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	374,616 sqft (8.6 acres)
Occupancy	Owner Occupied
Last Sale	$238,000 (2022)
Tax Bill	$4,230.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`012-30-400-005`
Alternative APN	`0123040000500`

Exterior

Lot Area	374,616 sqft (8.6 acres)

Location & Zoning

Street Address	6438 E EXCHANGE RD
City	DURAND
State	MI
Zip	48429-9110
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SEC 30 T6N R4E COM AT NW COR OF SW 14 OF SE 14 E 336 FT S TO CENTER OF SHIAWASSEE RIVER W'LY ALG RIVER TO W LN OF SW 14 OF SE
Legal Range	04E
Legal Township	06N
Legal Section	30
Jurisdiction	SHIAWASSEE MI
Minor Civil Division	VERNON
Census Blockgroup	1
Census Block	1032
Census Tract	31800

Owner

Source: Shiawassee County records · APN 012-30-400-005

Assessment roll updated July 16, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MORTGAGE CONNECT LP
Nov 27, 2023	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP
Jan 28, 2022	TRANSNATION TITLE AGENCY
Jan 31, 2022	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage NEIGHBORS BANK
Mar 09, 2021	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Mar 09, 2021 · Amount on Record
Deed Doc Number	20223356239
Deed Book / Page	1292 / 339
Prior Transfer Date	Jan 26, 2022
Prior Transfer Doc	0012920301
Record Refreshed	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Recording Date	Jul 16, 2026
Property Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110
Document Number	0003405242
Book / Page	1340 / 628
Instrument Date	Jun 22, 2026
Instrument	20263405242
Transaction Type	Mortgage
Record Updated	Aug 05, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110

Mortgage

Document Number	0003405242,
Date	Jul 16, 2026
Book Page	1340/628
Instrument	20263405242

Lender

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Feb 01, 2052

Interest

Rate	6.51%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIAWASSEE MI
Property Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110
Transaction Type	Mortgage
Record Updated	Dec 06, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110

Mortgage

Document Number	0013120474
Date	Nov 27, 2023
Book Page	1312/474
Instrument	3376656

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD, BOCA RATON, FL 33431

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Feb 01, 2052

January 2022:

Jurisdiction	SHIAWASSEE MI
Recording Date	Jan 28, 2022
Property Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110
Document Number	0012920301
Book / Page	1292 / 301
Instrument Date	Jan 26, 2022
Instrument	3356201
Record Updated	Feb 16, 2022
Title Company	TRANSNATION TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7840 LEMON RD, 7840, BANCROFT, MI 48414-9499

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Jan 31, 2022
Property Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110
Document Number	0012920339
Book / Page	1292 / 339
Instrument Date	Jan 25, 2022
Instrument	3356239
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6438 E EXCHANGE RD, 6438, DURAND, MI 48429-9110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110

Mortgage

Document Number	0003356224
Date	Jan 31, 2022
Instrument	3356224

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

Mortgage

Document Number	0012920406
Date	Jan 31, 2022
Book Page	1292/406
Instrument	3356306

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 01, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHIAWASSEE MI
Recording Date	Mar 09, 2021
Property Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110
Document Number	0012790432
Book / Page	1279 / 432
Instrument Date	Feb 09, 2021
Instrument	3343197
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8940 MONROE RD # RDC5, 8940, DURAND, MI 48429-1007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6438 E EXCHANGE RD, DURAND, MI 48429-9110

Mortgage

Document Number	3343198
Date	Mar 09, 2021
Instrument	3343198

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Shiawassee County records · Assessment roll updated July 16, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Shiawassee County
County Subdivision	Vernon Township
Unified School District	Durand Area Schools (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$146,500 (+1.95%)	$293,000 (+1.95%)
2025	$4,230.00 (+2.99%) Homeowner's exemption	$143,700 (+22.93%)	$287,400 (+22.93%)
2024	$4,107.00 (+43.95%)
2023	$2,853.00 Homeowner's exemption	$116,900	$233,800

Flood & Wildfire

6438 E Exchange Rd is in FEMA Zone A, inside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Shiawassee County (26155C), updated April 12, 2026

FEMA Flood Zone	Zone A 1% annual chance, no base flood elevation determined
Special Flood Hazard Area	Yes flood insurance required for federally backed mortgages
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 7th percentile of exposed land nationally · 17th in Michigan
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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