712 N Waterloo St, Jackson, MI 49202 Property Records

Jackson County property record for 712 N Waterloo St, Jackson, MI 49202

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,004 sqft · built 1900
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Nov 2021)
Tax Bill	$2,642 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8-162200000`

Property Details

APN / Parcel Number

Primary APN	`8-162200000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,004 sqft Living Area
1st Floor Area	1,172 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	138 ft deep x 63.4 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	712 N WATERLOO ST
City	JACKSON
State	MI
Zip	49202-3473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 7 BLK 10 MURPHY'S ADD
Legal Subdivision	MURPHYS ADD
Legal Block	10
Legal Lot Number	7
Legal Unit	7
Jurisdiction	JACKSON MI
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1008
Census Tract	6900

Owner

Source: Jackson County records, as of June 29, 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	712 N WATERLOO ST, JACKSON, MI 49202-3473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 16, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUE COMMUNITY CREDIT UNION
Nov 2, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD SAVINGS BANK
Jul 6, 2020	Quit Claim Deed, Transfer COUNTY NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	Apr 29, 2014 · Amount on Record
Deed Document Number	20212897953
Deed Book / Page	2199 / 63
Prior Transfer Date	Jun 29, 2020
Prior Transfer Doc	0002863867
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Mar 18, 2026
Property Address	712 N WATERLOO ST, JACKSON, MI 49202-3473
Document Number	0003001832
Book / Page	2278 / 1239
Map Reference	LB 1 PG 49
Instrument Date	Mar 9, 2026
Instrument	3001832
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	715 LANSING AVE, JACKSON, MI 49202-3211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4170 ROCHESTER, JACKSON, MI 49201-7933

Mortgage

Document Number	0002278217
Date	Mar 18, 2026
Instrument	2278/217

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Nov 16, 2022
Property Address	712 N WATERLOO ST, JACKSON, MI 49202-3473
Document Number	0002927151
Book / Page	2221 / 660
Map Reference	LB 1 PG 49
Instrument Date	Nov 10, 2022
Instrument	2927151
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,016.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 N WATERLOO ST, JACKSON, MI 49202-3473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 LANSING AVE, JACKSON, MI 49202-3211

Mortgage

Document Number	0022210661
Date	Nov 16, 2022
Instrument	2221-0661

Lender

Name	TRUE COMMUNITY CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Nov 2, 2021
Property Address	712 N WATERLOO ST, JACKSON, MI 49202-3473
Document Number	0002897953
Book / Page	2199 / 63
Map Reference	LB 1 PG 49
Instrument Date	Oct 27, 2021
Instrument	2897953
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 N WATERLOO ST, JACKSON, MI 49202-3473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 LOSEY RD, RIVES JUNCTION, MI 49277-9763

Mortgage

Document Number	0021990064
Date	Nov 2, 2021
Instrument	2199-0064

Lender

Name	HOMESTEAD SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	1.99%
Max Rate At Change	3.99%
Index	1-Year CMT
Max Rate	7.99%

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON MI
Recording Date	Jul 6, 2020
Property Address	712 N WATERLOO ST, JACKSON, MI 49202-3473
Document Number	0002853867
Book / Page	002165 / 000178
Instrument Date	Jun 29, 2020
Instrument	2853867
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 N WATERLOO ST MI, MI

Mortgage

Document Number	2853868
Date	Jul 6, 2020
Book Page	002165/000179
Instrument	2853868

Lender

Name	COUNTY NAT'L BK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
Municipality	Jackson City
Unified School District	Jackson Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,100 (+12.19%)	$182,200 (+12.19%)
2025	$2,642.00 (-16.87%)	$81,200 (+35.33%)	$162,400 (+35.33%)
2024	$3,178.00 (+7.88%)
2023		$60,000	$120,000
2022	$2,946.00

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

Source: FEMA National Flood Hazard Layer, effective May 3, 2010

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

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	JACKSON serves 33,165 people · EPA ID MI0003470
Water Source	Groundwater influenced by surface water
Last State Inspection	Mar 2022
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Dec 2020
Monitoring and Reporting	21 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 539 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T, Great Lakes High Speed.

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