8115 Elm St, Vanderbilt, MI 49795 Property Records

Otsego County property record for 8115 Elm St, Vanderbilt, MI 49795

Property Summary

Property Type	Single Family Home
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$1,160 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
APN	`045-120-003-001-00`

Property Details

APN / Parcel Number

Primary APN	`045-120-003-001-00`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	8115 ELM ST
City	VANDERBILT
State	MI
Zip	49795-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 52 FT. OF LOTS 3 & 4 & 5 & 6 & LOTS 1 & 2 BLK. 3 GULBERG ADD VANDERBILT. SEC 22 T32N R3W.
Legal Range	03W
Legal Township	32N
Legal Section	22
Legal Subdivision	GULBERG ADD
Legal Block	3
Legal Lot Number	1-6
Jurisdiction	OTSEGO MI
Township / Civil Division	CORWITH
Census Block Group	2
Census Block	2091
Census Tract	950100

Owner

8115 Elm St is owned and occupied by an individual who acquired it in April 2014.

Source: Otsego County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 31, VANDERBILT, MI 49795-0031
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2004
Deed Sale	Aug 31, 2004
Deed Book / Page	1010 / 941
Last Transfer Date	Apr 25, 2014
Transfer Doc	1346/42
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTSEGO MI
Recording Date	Jun 11, 2026
Property Address	8115 ELM ST, VANDERBILT, MI 49795-5114
Document Number	0000001713/0000000385
Book / Page	1713 / 385
Instrument Date	Jun 4, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1713000385,
Date	Jun 11, 2026
Book Page	1713/385

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.72%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 8115 Elm St was $1,160 with a homeowner's exemption, up 7.3% from the year before.

Source: Otsego County assessment roll, as of October 22, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Otsego County
County Subdivision	Corwith Township
Municipality	Vanderbilt Village
Unified School District	Vanderbilt Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,900 (+4.87%)	$137,800 (+4.87%)
2025	$1,160.00 (+7.31%) Homeowner's exemption	$65,700	$131,400
2024	$1,081.00
2023		$61,000	$122,000
2022	$706.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 8115 Elm St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 8115 Elm St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20