674 Spruce St, Mount Morris, MI 48458 Property Records

Genesee County property record for 674 Spruce St, Mount Morris, MI 48458

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,079 sqft · built 1930
Lot Size	0.133 acres (5,793 sqft)
Owner	Individual Name on File
Last Sale	$89,000 (Apr 2022)
Tax Bill	$2,087 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`57-12-530-001`

Property Details

APN / Parcel Number

Primary APN	`57-12-530-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,079 sqft Living Area
1st Floor Area	863 sqft
Basement Area	863 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	5,793 sqft (0.133 acres)
Lot Dimensions	116 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	674 SPRUCE ST
City	MOUNT MORRIS
State	MI
Zip	48458-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1 SF PUD
Legal Description	LOT 1 KENT SUB
Legal Subdivision	KENT SUB
Legal Lot Number	1
Jurisdiction	GENESEE MI
Township / Civil Division	MOUNT MORRIS
Census Block Group	2
Census Block	2021
Census Tract	12310

Owner

674 Spruce St is owned and occupied by an individual who bought it in April 2022.

Source: Genesee County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	674 SPRUCE ST, MOUNT MORRIS, MI 48458-1943
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 13, 2022	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Sep 14, 2017	Warranty Deed, Transfer · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2022 · Amount on File
Deed Sale	Apr 13, 2022 · Amount on File
Prior Sale	Sep 14, 2017 · Amount on File
Deed Document Number	202230225
Prior Transfer Date	Sep 28, 2010
Prior Transfer Doc	0000008062
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 13, 2022
Property Address	674 SPRUCE ST, MOUNT MORRIS, MI 48458-1943
Document Number	0000030225
Map Reference	LB 20 PG 32
Instrument Date	Mar 31, 2022
Instrument	202204130030225
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$667.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9615 SHERIDAN RD, 9615, MILLINGTON, MI 48746-9304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 SPRUCE ST, MOUNT MORRIS, MI 48458-1943

Mortgage

Document Number	0000030226
Date	Apr 13, 2022
Instrument	202204130030226

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 14, 2017
Property Address	674 SPRUCE ST, MOUNT MORRIS, MI 48458-1943
Document Number	0000059914
Instrument Date	Aug 25, 2017
Instrument	59914
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	TITLE RESOURCE AGENCY, TITLE RESOURCE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5354 NORTHWAY DR SWARTZ CREEK MI 484738227, SWARTZ CREEK, MI 48473-8227

Mortgage

Document Number	57821
Date	Sep 14, 2017
Instrument	57821

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 674 Spruce St was $2,087 with a homeowner's exemption, down 8.1% from the year before.

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		$50,400 (+15.6%) Land $2,700 Building $47,700	$100,800 (+15.6%) Land $5,400 Building $95,400
2025	$2,087.00 (-8.06%) Homeowner's exemption	$43,600	$87,200
2024	$2,270.00
2023		$41,000	$82,000
2021	$1,231.00

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

FEMA maps place 674 Spruce St in Zone X, an area of minimal flood risk.

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

The area around 674 Spruce 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 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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