7431 N State Rd, Davison, MI 48423 Property Records

Genesee County property record for 7431 N State Rd, Davison, MI 48423

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,184 sqft · built 1870
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Sep 2017)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`16-09-200-011`

Property Details

APN / Parcel Number

Primary APN	`16-09-200-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Ranch
Lot Area	49,658 sqft (1.14 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	7431 N STATE RD
City	DAVISON
State	MI
Zip	48423-9368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RRA
Legal Description	PART OF GOVT LOT 1 BEG S 0 DEG 34 MIN 10 SEC W 852.95 FT AND S 87 DEG 46 MIN 40 SEC W 60 FT FROM NE COR OF SEC TH S 0 DEG 34
Legal Range	08E
Legal Township	08N
Legal Section	09
Legal Lot Number	1
Jurisdiction	GENESEE MI
Township / Civil Division	RICHFIELD
Census Block Group	1
Census Block	1013
Census Tract	11901

Owner

Source: Genesee County records, as of October 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7431 N STATE RD, DAVISON, MI 48423-9368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION
Oct 1, 2021	Deed of Trust, Mortgage · Line of Credit ELGA CREDIT UNION
Oct 12, 2020	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Dec 17, 2019	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK
Sep 26, 2018	Quit Claim Deed, Transfer · Line of Credit ELGA CU
Sep 8, 2017	Warranty Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	May 14, 1999 · Amount on Record
Deed Document Number	201758725
Last Transfer Date	Sep 18, 2018
Transfer Doc	0000089253
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Recording Date	Aug 24, 2026
Property Address	7431 N STATE RD, DAVISON, MI 48423-9368
Document Number	0000049125
Instrument Date	Jul 30, 2026
Instrument	202649125
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7431 N STATE RD, DAVISON, MI 48423-9368

Mortgage

Document Number	0000049125,
Date	Aug 24, 2026
Instrument	202649125

Lender

Name	ELGA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 27, 2051

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	7431 N STATE RD, DAVISON, MI 48423-9368
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7431 N STATE RD, DAVISON, MI 48423-9368

Mortgage

Document Number	202110010078409
Date	Oct 1, 2021
Instrument	202110010078409

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	BURTON, MI 48519

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	7431 N STATE RD, DAVISON, MI 48423-9368
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202010120069845
Date	Oct 12, 2020
Instrument	202010120069845

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GENESEE MI
Property Address	7431 N STATE RD, DAVISON, MI 48423-9368
Document Number	0000007332
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7431 N STATE RD DAVISON MI 484239368, DAVISON, MI 48423-9368

Mortgage

Document Number	0000007332
Date	Feb 6, 2020
Instrument	7332

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 26, 2018
Property Address	7431 N STATE RD, DAVISON, MI 48423-9368
Document Number	0000089253
Instrument Date	Sep 18, 2018
Instrument	89253
Transaction Type	Transfer
Record Updated	Nov 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7431 N STATE RD DAVISON MI 484239368, DAVISON, MI 48423-9368

Mortgage

Document Number	89254
Date	Sep 26, 2018
Instrument	89254

Lender

Name	ELGA CU
Type	Credit Union
Address	BURTON, MI 45819

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 8, 2017
Property Address	7431 N STATE RD, DAVISON, MI 48423-9368
Document Number	201709080058725
Instrument Date	Sep 1, 2017
Instrument	201709080058725
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1344 POLTER BLVD, 1344, BURTON, MI 48509

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	2228 N HENDERSON RD, DAVISON, MI 48423-8169

Mortgage

Document Number	201709080058726
Date	Sep 8, 2017
Instrument	201709080058726

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Richfield Township
Unified School District	Lakeville Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$87,700 (+3.42%)	$175,400 (+3.42%)
2025	$2,212.00 (+3.61%) Homeowner's exemption	$84,800 (+18.11%)	$169,600 (+18.11%)
2024	$2,135.00 (+45.44%)
2023		$71,800	$143,600
2019	$1,468.00

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 February 19, 2024

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	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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