785 Elk Creek Rd, Applegate, MI 48401 Property Records

Sanilac County property record for 785 Elk Creek Rd, Applegate, MI 48401

Property Summary

Property Type	Single Family Home
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jun 2025)
Tax Bill	$581 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240-034-100-060-00`

Property Details

APN / Parcel Number

Primary APN	`240-034-100-060-00`

Exterior

Lot Area	57,499 sqft (1.32 acres)
Lot Dimensions	252 ft deep x 209 ft wide

Location & Zoning

Street Address	785 ELK CREEK RD
City	APPLEGATE
State	MI
Zip	48401-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T11N R14E SEC 34 COM AT E 1/4 COR TH W 2245.5 FT TO POB RUNN TH W 228.5 FT TH N 227 FT, TH N84D07M45S E 229.82, TH S 252.5 FT
Jurisdiction	SANILAC MI
Township / Civil Division	WATERTOWN
Census Block Group	4
Census Block	4046
Census Tract	970900

Owner

Source: Sanilac County records, as of October 20, 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	1170 E HOPSON ST, 13, BAD AXE, MI 48413-1561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE
Jun 2, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	Mar 13, 1998 · Amount on Record
Deed Document Number	2025
Deed Book / Page	1624 / 281
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANILAC MI
Recording Date	Jun 23, 2026
Property Address	785 ELK CREEK RD, APPLEGATE, MI 48401-9745
Document Number	1664000307
Book / Page	1664 / 307
Instrument Date	Jun 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	785 ELK CREEK RD, APPLEGATE, MI 48401-9745

Mortgage

Document Number	1664000307,
Date	Jun 23, 2026
Book Page	1664/307

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANILAC MI
Recording Date	Jun 2, 2025
Property Address	785 ELK CREEK RD, APPLEGATE, MI 48401-9745
Document Number	001624/281
Book / Page	1624 / 281
Instrument Date	May 30, 2025
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	FIRST AMERICAN TITLE, FATIC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	785 ELK CREEK RD, APPLEGATE, MI 48401-9745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1170 E HOPSON ST APT 13, 13, BAD AXE, MI 48413-1561

Mortgage

Document Number	0001624283
Date	Jun 2, 2025
Instrument	1624/283

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

Source: Sanilac County assessment roll, as of July 15, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Sanilac County
County Subdivision	Watertown Township
Unified School District	Sandusky Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$94,300 (+33.57%)	$188,600 (+33.57%)
2025	$581.00 (-60.29%) Homeowner's exemption	$70,600 (+25.85%)	$141,200 (+25.85%)
2024	$1,463.00 (+8.13%)
2023		$56,100	$112,200
2022	$1,353.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2021

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highline Internet Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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