77544 38th Ave, Covert, MI 49043 Property Records

Van Buren County property record for 77544 38th Ave, Covert, MI 49043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,530 sqft · built 2003
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Mar 2026)
Tax Bill	$9,159 (2025)
Deeds & Mortgages	Dec 2005 Mortgage Jun 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`80-07-021-008-10`

Property Details

APN / Parcel Number

Primary APN	`80-07-021-008-10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,530 sqft Living Area
1st Floor Area	1,770 sqft
Basement Area	1,770 sqft
Unfinished Basement	1,770 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	108,900 sqft (2.5 acres)
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	77544 38TH AVE
City	COVERT
State	MI
Zip	49043-8716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	335-A 21-2-17 549-402 1363-443 * E 218 FT OF S 500 FT OF W 1/2 OF NW 1/4 OF SEC. *** SPLIT ON 26 AUGUST 2002 FROM
Jurisdiction	VAN BUREN MI
Township / Civil Division	COVERT
Census Block Group	2
Census Block	2035
Census Tract	10600

Owner

Source: Van Buren County records · APN 80-07-021-008-10

Assessment roll updated October 21, 2025 · Last verified August 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 File
Mailing Address	77544 38TH AVE, COVERT, MI 49043-8716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2005	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jun 28, 2010	Deed of Trust, Mortgage HAMILTON FARM BUREAU COOPERATIVE INC
Dec 21, 2005	Deed of Trust, Mortgage · Line of Credit QUICKEN LOANS INC
Sep 25, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage QUICKEN LOANS INC
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage STURGIS BANK & TRUST CO
Apr 08, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Aug 26, 2002
Deed Document Number	20263471433
Deed Book / Page	1790 / 92
Record Updated	Sep 20, 2026

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	77544 38TH AVE, COVERT, MI 49043-8716
Transaction Type	Mortgage
Record Updated	Apr 01, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01452/0162
Date	Dec 19, 2005
Book Page	1452/0162

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	20555 VICTOR PKWY, LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Index	LIBOR

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	77544 38TH AVE, COVERT, MI 49043-8716
Transaction Type	Mortgage
Record Updated	Apr 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01536/0884
Date	Jun 28, 2010
Book Page	1536/0884

Lender

Name	HAMILTON FARM BUREAU COOPERATIVE INC
Type	Non-Lending Institution
Address	HAMILTON, MI 49419

Agreement

Amount	Amount Recorded

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	77544 38TH AVE, COVERT, MI 49043-8716
Transaction Type	Mortgage
Record Updated	Apr 01, 2026
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01452/0275
Date	Dec 21, 2005
Book Page	1452/0275

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	20555 VICTOR PKWY, LIVONIA, MI 48152

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 20, 2025

Interest

Change Frequency	Monthly

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	77544 38TH AVE, COVERT, MI 49043-8716
Transaction Type	Mortgage
Record Updated	Apr 01, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01469/0938
Date	Sep 25, 2006
Book Page	1469/0938

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	20555 VICTOR PKWY, LIVONIA, MI 48152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2021

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Mar 13, 2026
Property Address	77544 38TH AVE, COVERT, MI 49043-8716
Document Number	0001790/92
Book / Page	1790 / 92
Instrument Date	Mar 04, 2026
Transaction Type	Transfer
Record Updated	Apr 01, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	77544 38TH AVE, COVERT, MI 49043-8716

Mortgage

Document Number	0001789994
Date	Mar 13, 2026
Instrument	1789/994

Lender

Name	STURGIS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Apr 01, 2036
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	12.1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Apr 08, 2024
Property Address	77544 38TH AVE, COVERT, MI 49043-8716
Document Number	001764/538
Book / Page	1764 / 538
Instrument Date	Mar 28, 2024
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3625 INDIAN WELLS LN, NORTHBROOK, IL 60062-3103

Mortgage

Document Number	0017640539
Date	Apr 08, 2024
Instrument	1764-0539

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Tax Assessment & Valuation

Source: Van Buren County records · Assessment roll updated October 21, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Van Buren County
County Subdivision	Covert Township
Unified School District	Covert Public Schools (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$261,800 (-17.93%)	$523,600 (-17.93%)
2025	$9,159.00 (+158.15%) Homeowner's exemption	$319,000 (+61.19%)	$638,000 (+61.19%)
2024	$3,548.00 (+14.6%)
2023		$197,900	$395,800
2020	$3,096.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 9, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1982–2019)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2019 · other causes

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midwest Energy Cooperative Fiber	1,000 / 1,000

Based on FCC filings for 17 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 38th Ave

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