86960 Co Rd 681, Decatur, MI 49045 Property Records

Van Buren County property record for 86960 Co Rd 681, Decatur, MI 49045

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,496 sqft · built 2023
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jan 2006)
Tax Bill	$1,688 (2020)
Deeds & Mortgages	Jul 2023 Construction Loan Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`80-12-024-012-10`

Property Details

APN / Parcel Number

Primary APN	`80-12-024-012-10`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,496 sqft Total Area
1st Floor Area	1,496 sqft
Basement Area	760 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	1,742,400 sqft (40 acres)
Lot Depth	1 ft Depth
Garage Area	1,496 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	86960 COUNTY ROAD 681
City	DECATUR
State	MI
Zip	49045-8823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LSR
Legal Description	238-A 24-4-16 1437-811 1452-797 * N 1/2 OF E 1/2 OF SE 1/4 OF SEC. *** SPLIT ON 29 APRIL 2005 FROM 80-12-024-012-00 FOR 2006.
Jurisdiction	VAN BUREN MI
Township / Civil Division	KEELER
Census Block Group	2
Census Block	2001
Census Tract	11500

Owner

86960 Co Rd 681 is owned and occupied by two individuals who bought it in January 2006.

Source: Van Buren County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	86960 COUNTY ROAD 681, DECATUR, MI 49045-8823
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

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Dec 8, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2006 · Amount on File
Deed Sale	Jan 3, 2006 · Amount on File
Prior Sale	Sep 1, 1995
Deed Book / Page	1452 / 797
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN MI
Property Address	86960 COUNTY ROAD 681, DECATUR, MI 49045-8823
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86960 COUNTY ROAD 681, DECATUR, MI 49045-8823

Mortgage

Document Number	001754/525
Date	Jul 5, 2023
Book Page	1754/525

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.6%
Index	6-Month LIBOR
Margin	3
Max Rate	11.6%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN MI
Recording Date	Dec 8, 2020
Property Address	86960 COUNTY ROAD 681, DECATUR, MI 49045-8823
Document Number	1710/447
Book / Page	1710 / 447
Instrument Date	Nov 24, 2020
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount on Record
Tax	$1,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2397 HWY 175, 2397, HAYESVILLE, NC 28904-6162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4084 LONE OAK PATH, DORR, MI 49323-8006

Tax Assessment & Valuation

Source: Van Buren County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Van Buren County
County Subdivision	Keeler Township
Unified School District	Dowagiac Union Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption
2023		$35,700	$71,400
2020	$1,688.00

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

FEMA maps place 86960 Co Rd 681 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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.

Wildfire

Wildfire risk around 86960 Co Rd 681 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	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midwest Energy & Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE only, no 5G reported

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