KEY REALTY DELTA COUNTY

Buyer & Seller Toolkit

Plan your next move.

Property taxes Cash to close Seller proceeds Checklists

MICHIGAN PROPERTY TAXES

Estimate your property taxes

Planning estimate only. Not an official tax bill. Local presets use 2025 Michigan Treasury millage data, checked October 8, 2026. They are not verified 2026 rates and do not update automatically.

Ownership scenario Taxing location

Use the municipality and school district on the assessment notice, not just the mailing city. No address lookup is performed.

Principal residence status State Equalized Value (SEV) ($)

A buyer estimate uses SEV, not the seller's capped taxable value. Purchase price is not automatically the assessed value. Confirm the expected SEV with the assessor.

Effective annual millage

Preset rates include the state's 1% administration fee adjustment. No additional administration fee is added here.

Additional annual charges ($)Only charges not already included in the selected rate.

PRE eligibility is not determined here. Partial exemptions and unusual parcels require a custom rate and assessor review.

ESTIMATED ANNUAL PROPERTY TAX

Not calculated

Based on your selected value and rate.

Tax from millage
Additional charges
Monthly budget equivalent

Annual estimate, not closing-year proration or an escrow quote. Exemptions, parcel-specific charges and future assessments can change the actual bill.

Michigan Treasury tax estimator

Assumptions, source data & maintenance

The calculation is value × effective millage ÷ 1,000, plus entered charges. One mill is $1 per $1,000 of value. An estimate for an existing owner uses taxable value; a buyer's scenario uses SEV as a planning input.

A qualifying transfer generally uncaps taxable value the following calendar year. Exceptions apply. This does not predict future SEV, exemptions, tax proration or reassessment.

Coverage includes the published Delta County districts, Menominee city and Township, and Harris Township's two school districts. Rapid River is listed with Masonville Township; Rock with Maple Ridge Township. Mailing areas may cross boundaries: confirm the parcel's actual municipality and school district. Garden village has a separate rate from the surrounding township. This is not coverage of the entire MLS search area.

Rates use the last two columns of Michigan Treasury's 2025 total-rates report, including listed millage-based assessments, multiplied by 1.01 for the same 1% administration-fee assumption used in the state's estimator and rounded to four decimals. The fee is not added again. Not all parcel-specific assessments are included. School-transfer and community-college boundaries can affect the bill; confirm applicable charges with the assessor.

Maintenance: review at least annually and update when new official millage data is published; review sooner when a local change is identified. Check the displayed data year before relying on an estimate. This tool is not connected to a live tax service. An updated rate is still not a guarantee of the final tax bill.

Michigan Treasury millage reports · State estimator and limitations · Ownership changes · Principal Residence Exemption

BUYING A HOME

Plan your cash to close

A planning estimate, not a Loan Estimate or Closing Disclosure. Your lender and settlement agent determine the final amount.

Purchase price ($) Down payment (%) Closing costs ($)Lender, title, recording and other costs before credits; excludes prepaids below. Prepaids & initial escrow ($)Insurance, prepaid interest and tax reserves; do not duplicate closing costs. Earnest money already paid ($) Seller credit ($) Lender credit ($)

ESTIMATED REMAINING CASH TO CLOSE

Not calculated

After the deposit and credits entered.

Down payment
Costs & prepaids
Credits deducted
Deposit deducted
Base loan amount

Credit eligibility and limits are not calculated. Excludes costs paid separately, moving costs, reserves required beyond closing and financed loan fees. Confirm every amount with your lender.

Understand your Loan Estimate

SELLING A HOME

Estimate your net proceeds

Estimated sale proceeds after the amounts entered. Not a valuation, settlement statement or capital-gains calculation.

Expected sale price ($) Mortgage & lien payoff ($)Use a payoff quote including applicable interest and fees. Agreed broker compensation ($)Enter the total in your agreements. No standard commission is assumed. Transfer taxes ($)Use the title company's estimate; exemptions are not calculated. Other closing costs ($)Title, recording, prorations and other charges, excluding amounts entered elsewhere. Buyer concessions ($) Repairs paid at closing ($)

ESTIMATED NET PROCEEDS

Not calculated

Before any income or capital-gains taxes.

Sale price
Payoffs deducted
Selling costs deducted

Does not include charges you have not entered, costs paid before closing or escrow refunds received later. A negative balance means additional funds may be needed to close.

Request a home valuation

BEFORE YOUR NEXT MOVE

Home & moving checklists

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At the home tour Review the seller disclosure with your agent.Note roof, windows and visible drainage concerns.Ask about heating, cooling and equipment age.Check room sizes, storage and access needs.Ask about well, septic or municipal services.Check parcel boundaries and any easements.Confirm tax district, SEV and special assessments.Discuss an independent inspection and contingencies.

Before moving day Confirm dates with your agent and settlement team.Arrange insurance effective at the required time.Schedule utility transfer and internet service.Book movers or a rental vehicle.Update your mailing address and key accounts.Confirm closing funds by calling a verified number.Complete the final walkthrough.Confirm keys, access codes and possession timing.

Questions for your agent

Tour notes do not replace an inspection. Checks and notes are temporary and are cleared when this page reloads. Never act on changed wire instructions without independent verification.

Questions about a specific property?

Key Realty Delta County, LLC

Contact the team (906) 233-7455

Estimates are for planning, not financial, lending or tax advice. Entries are not stored on the site or sent by this tool. Downloaded PDFs contain your entries. Contact and external-resource links leave the tool; no entered amounts are attached to those links.