71144 Spencer Rd, Union, MI 49130 Property Records

Cass County property record for 71144 Spencer Rd, Union, MI 49130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,280 sqft · built 1967
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$9,400 (Sep 2019)
Tax Bill	$1,389 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-120-390-009-00`

Property Details

APN / Parcel Number

Primary APN	`14-120-390-009-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,280 sqft Building Perimeter
1st Floor Area	1,280 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Condo/Apartment
Lot Area	22,216 sqft (0.51 acres)
Garage Area	416 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	71144 SPENCER RD
City	UNION
State	MI
Zip	49130-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. (790 8-13) LOT 25 SPENCER'S SUBDIVISION NO. 1.
Legal Subdivision	SPENCERS
Legal Lot Number	25
Jurisdiction	CASS MI
Township / Civil Division	PORTER
Census Block Group	3
Census Block	3038
Census Tract	1000

Owner

Source: Cass County records, as of October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	71144 SPENCER RD, UNION, MI 49130-9636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 26, 2019	Warranty Deed, Transfer
Oct 10, 2017	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Oct 10, 2017
Deed Book / Page	1161 / 79
Prior Transfer Date	Sep 30, 2017
Prior Transfer Doc	01129/2307
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	71144 SPENCER RD, UNION, MI 49130-9636
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71144 SPENCER RD, UNION, MI 49130-9636

Mortgage

Document Number	001203/376
Date	Sep 7, 2021
Book Page	1203/376

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jun 1, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Sep 26, 2019
Property Address	71144 SPENCER RD, UNION, MI 49130-9636
Document Number	01161/0079
Book / Page	1161 / 0079
Map Reference	LB 1-1 PG 410
Instrument Date	Sep 16, 2019
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Tax	$81.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71144 SPENCER RD, 71144, UNION, MI 49130-9636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 HAZELWOOD DR, BRUCETON MILLS, WV 26525-6183

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MI
Recording Date	Oct 10, 2017
Property Address	71144 SPENCER RD, UNION, MI 49130-9636
Document Number	01129/2307
Book / Page	1129 / 2307
Map Reference	LB1-1 PG410
Instrument Date	Sep 30, 2017
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71123 MICHIGAN BLVD, 71123, WHITE PIGEON, MI 49099-9486

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71144 SPENCER RD, UNION, MI 49130-9636

Mortgage

Document Number	0011292309
Date	Oct 10, 2017
Instrument	1129/2309

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Cass County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Cass County
County Subdivision	Porter Township
Unified School District	White Pigeon Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,800 (+8.34%) Land $120,800	$241,600 (+8.34%) Land $241,600
2025	$1,389.00 (+5.55%) Homeowner's exemption	$111,500 (+42.58%) Land $111,500	$223,000 (+42.58%) Land $223,000
2024	$1,316.00 (+7.34%)
2023		$78,200	$156,400
2022	$1,226.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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