Cass County property record for 69724 Vera Dr, Union, MI 49130
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1958 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $129,900 (May 2019) |
| Tax Bill | $1,878 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2026 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-120-365-013-11 |
| Primary APN | 14-120-365-013-11 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,344 sqft Building Perimeter |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Area | 1,436 sqft |
| Street Address | 69724 VERA DR |
|---|---|
| City | UNION |
| State | MI |
| Zip | 49130-9791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 460-897 707B 8-13 LOTS 20 & 21. EX N 100 FT OF LOT 21. SCHMELING'S BALDWIN PRAIRE |
| Legal Subdivision | SCHMELINGS BALDWIN PRAIRIE |
| Legal Lot Number | 20,21 |
| Jurisdiction | CASS MI |
| Township / Civil Division | PORTER |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 1000 |
Source: Cass County records, as of October 1, 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 Record |
|---|---|
| Mailing Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · Line of Credit OMNI COMMUNITY CU |
| Feb 23, 2026 | Deed of Trust, Mortgage · Line of Credit OMNI COMMUNITY CU |
| Jul 12, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 9, 2020 | Deed of Trust, Mortgage · FHA Mortgage RUTH RUHL |
| Jun 14, 2021 | Deed of Trust, Mortgage OMNI COMMUNITY CU |
| May 2, 2019 | Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Apr 24, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2019 · Amount on Record |
| Deed Sale | May 2, 2019 · Amount on Record |
| Deed Book / Page | 1154 / 819 |
| Prior Transfer Date | Sep 15, 2014 |
| Prior Transfer Doc | 1081/0155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Document Number | 01272/1423 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 1272/1423 |
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49016 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Document Number | 01272/1423 |
|---|---|
| Date | Feb 23, 2026 |
| Book Page | 1272/1423 |
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49016 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01219/2531 |
|---|---|
| Date | Jul 12, 2022 |
| Book Page | 1219/2531 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001184/352 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 1184/352 |
| Name | RUTH RUHL |
|---|---|
| Address | DALLAS, TX 75251 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001198/123 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 1198/123 |
| Name | OMNI COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | BATTLE CREEK, MI 49016 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | May 20, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | May 2, 2019 |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Document Number | 01154/0819 |
| Book / Page | 1154 / 0819 |
| Map Reference | LB 1-G PG 345 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | PATRICK ABSTRACT AND TITLE OFFICE INC, PATRICK ABSTRACT & TTL OFFIC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10884 HARDER RD, 10884, THREE RIVERS, MI 49093-8255 |
| Name | Verified Name |
|---|---|
| Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Document Number | 0001154821 |
|---|---|
| Date | May 2, 2019 |
| Instrument | 1154/821 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CASS MI |
| Recording Date | Apr 24, 2019 |
| Property Address | 69724 VERA DR, UNION, MI 49130-9791 |
| Document Number | 1153/2379 |
| Book / Page | 1153 / 2379 |
| Map Reference | LB 1-G PG 345 |
| Instrument Date | Apr 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Not Public Record |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10884 HARDER RD, 10884, THREE RIVERS, MI 49093-8255 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 69721 VERA DR, UNION, MI 49130-9791 |
Source: Cass County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Cass County |
| County Subdivision | Porter Township |
| Unified School District | White Pigeon Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $106,400 (-0.93%) Land $106,400 | $212,800 (-0.93%) Land $212,800 | |
| 2025 | $1,878.00 (+5.51%) Homeowner's exemption | $107,400 (+40.39%) Land $107,400 | $214,800 (+40.39%) Land $214,800 |
| 2024 | $1,780.00 (+7.36%) | ||
| 2023 | $76,500 | $153,000 | |
| 2022 | $1,658.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 5, 2007 · 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 | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Midwest Energy & Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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