654 Elm St, Mount Morris, MI 48458 Property Records

Genesee County property record for 654 Elm St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,324 sqft · built 1917
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (Jan 2025)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-12-529-031`

Property Details

APN / Parcel Number

Primary APN	`57-12-529-031`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,324 sqft Living Area
1st Floor Area	752 sqft
Basement Area	572 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 ELM ST
City	MOUNT MORRIS
State	MI
Zip	48458-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	LOT 36 GRAHAM RUSSELL ADD
Legal Subdivision	GRAHAM RUSSELL ADD
Legal Lot Number	36
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2019
Census Tract	12310

Owner

Source: Genesee County records, as of October 2, 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	654 ELM ST, MOUNT MORRIS, MI 48458-1918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2019	Deed of Trust, Mortgage · FHA Mortgage ROSS MORTGAGE CORP
Jul 1, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2025 · Amount on Record
Deed Sale	Jan 13, 2025 · Amount on Record
Prior Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	20251889
Prior Transfer Date	Jul 29, 1999
Prior Transfer Doc	0000069947
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	654 ELM ST, MOUNT MORRIS, MI 48458-1918
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	MI TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017343
Date	Apr 4, 2019
Instrument	201904040017343

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 1, 2022
Property Address	654 ELM ST, MOUNT MORRIS, MI 48458-1918
Document Number	0000048343
Map Reference	LB 4 PG 1
Instrument Date	Jun 21, 2022
Instrument	202207010048343
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,008.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 LUNA BELLA LANE #400400, 434, LADY LAKE, FL 32158

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7332 BUELL RD, VASSAR, MI 48768-9655

Mortgage

Document Number	0000048344
Date	Jul 1, 2022
Instrument	202207010048344

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Mount Morris City
Unified School District	Mount Morris Consolidated School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,300 (+14.05%) Land $2,800 Building $60,500	$126,600 (+14.05%) Land $5,600 Building $121,000
2025	$2,621.00 (+2.3%) Homeowner's exemption	$55,500 (+12.35%)	$111,000 (+12.35%)
2024	$2,562.00 (+89.64%)
2023		$49,400	$98,800
2021	$1,351.00

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	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 MOUNT MORRIS serves 3,086 people · EPA ID MI0004520
Water Source	Purchased surface water from GENESEE COUNTY WATER SYSTEM
Last State Inspection	Oct 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2021
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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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