Cass County property record for 71104 Spencer Rd, Union, MI 49130
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,196 sqft · built 1960 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,000 (Jul 2016) |
| Tax Bill | $1,420 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-120-390-011-00 |
| Primary APN | 14-120-390-011-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,196 sqft Building Perimeter |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Condo/Apartment |
| Lot Area | 22,216 sqft (0.51 acres) |
| Garage Area | 624 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 71104 SPENCER RD |
|---|---|
| City | UNION |
| State | MI |
| Zip | 49130-9636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | . (791 8-13 354-420) LOT 27 SPENCER'S SUBDIVISION NO. 1. |
| Legal Subdivision | SPENCERS |
| Legal Lot Number | 27 |
| Legal Unit | 18 |
| Jurisdiction | CASS MI |
| Township / Civil Division | PORTER |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 1000 |
71104 Spencer Rd is owned and occupied by an individual who bought it in July 2016.
Source: Cass County records, as of October 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 71104 SPENCER RD, UNION, MI 49130-9636 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2016 · Amount on File |
| Deed Sale | Jul 27, 2016 · Amount on File |
| Prior Sale | Aug 28, 2013 · Amount on File |
| Deed Book / Page | 1109 / 473 |
| Prior Transfer Date | Oct 17, 2012 |
| Prior Transfer Doc | 1049/1159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CASS MI |
| Property Address | 71104 SPENCER RD, UNION, MI 49130-9636 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 71104 SPENCER RD, UNION, MI 49130-9636 |
| Document Number | 01217/2294 |
|---|---|
| Date | Jun 1, 2022 |
| Book Page | 1217/2294 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 71104 Spencer Rd was $1,420 with a homeowner's exemption.
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 | $116,900 (+8.54%) Land $116,900 | $233,800 (+8.54%) Land $233,800 | |
| 2025 | $1,420.00 Homeowner's exemption | $107,700 Land $107,700 | $215,400 Land $215,400 |
| 2023 | $75,100 | $150,200 | |
| 2022 | $1,253.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 71104 Spencer Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 71104 Spencer Rd 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midwest Energy & Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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