71191 Spencer Rd, Union, MI 49130 Property Records

Cass County property record for 71191 Spencer Rd, Union, MI 49130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1972
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Oct 2017)
Tax Bill	$1,621 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-120-390-005-00`

Property Details

APN / Parcel Number

Primary APN	`14-120-390-005-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,064 sqft Building Perimeter
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Condo/Apartment
Lot Area	45,738 sqft (1.05 acres)
Garage Area	392 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	71191 SPENCER RD
City	UNION
State	MI
Zip	49130-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	. (786-7 8-13 311-577) LOTS 20 & 21 SPENCER'S SUBDIVISION NO. 1.
Legal Subdivision	SPENCERS
Legal Lot Number	20,21
Legal Unit	12
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	71191 SPENCER RD, UNION, MI 49130-9636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit INTERRA CU
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 19, 2017	Warranty Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2017 · Amount on Record
Deed Sale	Oct 19, 2017 · Amount on Record
Prior Sale	Oct 18, 2011 · Amount on Record
Deed Book / Page	1130 / 1056
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	71191 SPENCER RD, UNION, MI 49130-9636
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01223/1459
Date	Sep 23, 2022
Book Page	1223/1459

Lender

Name	INTERRA CU
Type	Credit Union
Address	GOSHEN, IN 46527

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 16, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MI
Property Address	71191 SPENCER RD, UNION, MI 49130-9636
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71191 SPENCER RD, UNION, MI 49130-9636

Mortgage

Document Number	1205/1961
Date	Oct 18, 2021
Book Page	1205/1961

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MI
Recording Date	Oct 19, 2017
Property Address	71191 SPENCER RD, UNION, MI 49130-9636
Document Number	1130/1056
Book / Page	1130 / 1056
Map Reference	LB1-I PG410
Instrument Date	Oct 11, 2017
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	MTC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71191 SPENCER RD, UNION, MI 49130-9636

Mortgage

Document Number	1130/1059
Date	Oct 19, 2017
Book Page	1130/1059

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$106,600 (+0.47%) Land $106,600	$213,200 (+0.47%) Land $213,200
2025	$1,621.00 (+13.28%) Homeowner's exemption	$106,100 (+42.23%) Land $106,100	$212,200 (+42.23%) Land $212,200
2023		$74,600	$149,200
2022	$1,431.00

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 98% of the US · lower than 95% 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

Nearby Properties on Spencer Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures