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Genesee County, Michigan

Mortgage Broker in Davison Township, MI

Davison Township wraps around the City of Davison and shares its 48423 ZIP code, so a Davison address can be taxed by either one. Samantha starts from the parcel record, then compares offers from multiple wholesale lenders for you.

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Buying a home in Davison Township

Davison Township, in Genesee County, is home to about 20,434 residents in the Census Bureau's 2020 to 2024 American Community Survey (20,434 in the 2020 census) across about 33 square miles of land. Davison Township is a separate unit of government from the City of Davison: the two share ZIP codes, but each has its own assessor and tax rates, so a Davison mailing address alone does not say which one taxes the home. Downtown Flint is about 9 miles west in a straight line, and downtown Detroit is about 52 miles southeast in a straight line.

By the numbers

Davison Township housing and mortgage snapshot

Values move. Treat these as orientation and let us pull current figures for the address you are considering.

$232,000

Typical home value, from the market research on this page

+40%

Typical rise in taxable value the year after a home sells, 2026 Uncapping Study

1

Residential ZIP code: 48423

What financing looks like in Davison Township

In the Census Bureau's 2020 to 2024 survey, the middle owner-occupied Davison Township home was worth about $231,700. One owned home in four came in below roughly $175,500 and one in four above roughly $304,800. Redfin's median sale for the three months ending September 2026 in the 48423 ZIP code was about $285,000, up about 9% on a year earlier, and the typical listing went under contract in about 24 days. The township holds about six in ten of that ZIP code's homes, Richfield Township about one in five and the City of Davison about one in six, so the ZIP figure is a blend of all three. At these prices most township purchases fit under the 2026 FHA ceiling of $541,287, and far under the $832,750 conforming line, which leaves room for conventional, FHA or VA financing. Jumbo financing applies only to a loan amount above that conforming line.

The kind of home shapes the loan as much as the price. About 1,100 homes are attached condos or townhomes, many of them along Irish Road, Gale Road and the I-69 corridor, For an attached unit the lender looks at the condo association itself, so request the budget, the reserve balance and the master insurance policy as soon as an offer is accepted. A detached site condo is exempt from Fannie Mae's project review. Close to 600 homes are manufactured homes, nearly all in Census tract 117.12 east of the city, and whether the buyer also owns the land under one decides how it can be financed. A first-time buyer under MSHDA's income limits may add the state's MI 10K to a MI Home Loan: $10,000 for the down payment, paid back on a sale, refinance or payoff, or once the house is no longer the buyer's home. A typical township sale is far below its $566,355 price cap.

The utility setup is worth confirming before an offer. The township says its residents get water and sewer from the Genesee County Water and Waste Division, which reads the meters and sends the bills, while the township's own Water and Sewer Department takes payments and changes the account to a new owner's name. A house on a private well and septic system instead has its permit history with the Genesee County Health Department, which searches its well and septic records for $5 an address, so order that search with the well test and septic inspection. Run the address through FEMA's flood map too: with a federally backed loan, a high-risk zone means the lender requires flood insurance.

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Same 48423 ZIP code, same Davison Community Schools, very different bill: Michigan Treasury's 2025 homestead total was 33.37 mills in Davison Township and 45.05 mills inside the City of Davison, about $1,168 a year apart on each $100,000 of taxable value.

The market

The Davison Township housing market

The Census Bureau's American Community Survey puts the median owner-occupied home value in Davison Township near $231,700, across about 5,496 owner-occupied homes, with a median year built of 1981. The typical home value in Davison Township is near $232,000. Homeowners pay a median of about $2,953 a year in property taxes, an effective rate of about 1.27% of the median value.

One ZIP code, three governments

Who shares the 48423 ZIP code

Every Davison Township home except a handful at its southwest corner has a Davison 48423 mailing address, and so do homes in two other places. Home counts come from 2020 Census blocks inside the Census ZIP code boundary.

Davison Township: about 61%

About 9,300 homes on all of the township's 33 square miles, wrapped around the city on every side. Treasury's 2025 homestead total with Davison schools was 33.37 mills.

Richfield Township: about 20%

About 3,100 homes north of Potter Road. Its 2025 homestead total with Davison schools was 32.42 mills, about $95 less a year per $100,000 of taxable value than the township.

City of Davison: about 17%

About 2,600 homes in the city at the center of the township, around Flint Street and State Road. Its 2025 homestead total was 45.05 mills, so the same ZIP code can carry a bill about a third higher.

Where to look

Davison Township neighborhoods

Irish Farms and Town Line East

The northwest corner, from Vassar Road to Irish Road and north toward Potter Road: the Estates of Irish Farms, the Village at Irish Farms, Beechcote, Briarcliffe, Stillwater, Hampton Village Condos and Town Line East Estates. About four in five homes are detached houses and most of the rest are attached condos, with nearly every home owner-occupied. Owner values near $206,200, typical home from 1974. About 200 homes near Vassar Road are in Kearsley Community Schools, the rest in Davison's district.

Belle Meade, Swan Lake and Turtle Creek

North of Davison Road between Irish Road and the City of Davison: Belle Meade, Swan Lake, Turtle Creek, Irish Village and Brier Crest Estates, with Knights of Columbus Field off Gale Road. About nine in ten of its roughly 890 homes are detached houses, most of them from around 1970, and the owner median, near $224,200, has one of the tightest margins in the township.

Fox Run, Cobblestone Park and Jones Lake

The northeast side from State Road (M-15) east to Washburn Road. Up by Potter Road, Fox Run Estates, Cobblestone Park, Summerwood and Sugarbush Golf Club sit along Black Creek, a block group of about 170 homes from around 1994 with owner values near $262,500 and a margin over $100,000. Farther south toward Lapeer Road, Old Orchard, Davison East, the Davison Mobile Home Community and Jones Lake make up a block group where about three in four homes are manufactured homes, typical year 1991. The Census publishes no owner median there.

Hillside Meadows, Chestnut Hills and Timber Heights

East of the City of Davison along Oak Road and East Clark Street. With a typical home from 2004, this is the newest block group in the township. About half its homes are detached, a quarter are in buildings of five or more units and about a hundred are manufactured homes. Owner values near $239,800, roughly two in three homes owner-occupied.

Lake Callis, Chatwell Club and Nature View

Between Gale Road and State Road just north of I-69, around the township's Lake Callis Recreation Complex at 1152 N Gale Rd, with its splash pad, Wildwood and the Nature View condos. More than four in ten homes are attached and nearly as many are in buildings of five or more units, so only about a third are owner-occupied. Owner values near $203,300, typical home from 1995.

Township Hall, River Ridge and Windsor Place

The blocks around the Township Hall at 1280 N Irish Rd, the Veteran's Court of Honor park and the Davison Area Dog Park, east toward Gale Road. River Ridge and Windsor Place put about 85% of this block group's homes in buildings of five or more units, almost all of them rented, and the Census publishes no owner median. Typical building from 1981.

Lions Gate, The Summit and Court Street

North of I-69 around Court Street, from Vassar Road east past Irish Road, with Lions Gate, The Summit and the Black Creek Trail nearby. A small block group of about 300 homes, half of them detached and about half owner-occupied. Owner values near $324,500, with a margin over $50,000, and a typical home from 1999.

Wexford Green, Charter Oaks and Shannon Manor

Between Lippincott Boulevard and I-69 from Irish Road to State Road, with Long Lake, Wexford Green, Charter Oaks, Shannon Manor, Creekwood Townhomes and Kearsley Creek Town Homes. Two block groups of about 1,400 homes, mostly townhomes, condos and apartments, where roughly one home in five is owner-occupied. West of Gale Road owners put values near $189,800, typical home from 1979. East of it the owner median, near $133,700, carries a margin of about $67,000.

Brandywine, Heather Creek and the Villages of Wicklow

Vassar Road to Irish Road between Atherton Road and Court Street: Brandywine, Heather Creek, Vassar Park and the Villages of Wicklow. Nearly every one of its roughly 790 homes is a detached house and more than nine in ten are owner-occupied. Owner values near $188,700, typical home from 1974.

Copper Ridge, Davison Country Club and Woodridge Farms

Irish Road to State Road between Atherton Road and Lippincott Boulevard, around Copper Ridge Golf Club, Davison Country Club and Gates Elementary: Country Club Estates, Creek Valley, Solarwood, Stonebrook Estates and Woodridge Farms, plus the township's Robert Williams Nature and Historical Learning Center. Every home is owner-occupied in the survey, about 15% of them attached. Owner values near $319,800, typical home from 2000.

Rivershyre, Zirnhelt Park and the Maple Avenue line

The south side from Vassar Road to State Road below Atherton Road, past Bristol Road to Maple Avenue, with Rivershyre and Zirnhelt Park. North of Bristol Road the houses are all detached, typically from 1962, at owner values near $218,400. South of it, owner values near $294,100 come with a margin near $99,000, typical year 1973. About 70 homes near Maple Avenue between Vassar and Irish roads are in Goodrich Area Schools.

Hanover Lake, Hasler Lake and the east side

East of State Road and south of Lapeer Road out to Washburn Road at the Lapeer County line, around Hanover Lake, Hasler Lake, Hasler Creek and Kitchen Road. Larger lots and almost all detached, owner-occupied houses, about 520 homes with a typical year of 1967. Owner values near $354,100, the highest block group median in the township, but the margin is over $90,000.

Schools and commute

Schools

By 2020 Census block counts within the Census map of school districts, about 97% of Davison Township's homes, on about 95% of its land, are in Davison Community Schools. Kearsley Community Schools takes about 200 homes in the northwest corner near Vassar Road between Davison and Potter roads, and Goodrich Area Schools about 70 homes in the southwest corner near Maple Avenue. Inside the township the district moves the bill only a little. Treasury's 2025 homestead totals were 33.37 mills for a Davison parcel, 33.23 for Kearsley and 35.27 for Goodrich. Davison Community Schools also reaches into the City of Davison, Richfield and Atlas townships and part of Burton, where its homestead totals run from 32.42 to 45.05 mills, so a Davison schools listing can sit in any of five tax settings. Only the parcel record settles which one.

Commute

I-69, the Chevrolet-Buick Freeway, crosses Davison Township from west to east just south of the City of Davison, and State Road (M-15) runs north and south through the middle of it. Lapeer Road, Court Street and Atherton Road all head west toward Burton and Flint. From the Township Hall on North Irish Road, outside rush hour, downtown Flint is about 12 minutes and 8 miles away, downtown Lapeer about 20 minutes, Grand Blanc about 19 and Bishop International Airport about 19. Auburn Hills is about 49 minutes, Troy about an hour, Lansing and Ann Arbor each a little over an hour and downtown Detroit about an hour and 20 minutes. The Census puts the average one-way commute near 25 minutes, with about three in ten commuters on the road 30 minutes or more and about one worker in ten working from home (Census Reporter). The tax bill carries a levy for Flint's Mass Transportation Authority, the county bus system.

Before closing

Five checks on a Davison Township house

A listing sheet rarely answers these. Work through them before the inspection deadline passes.

  • Who taxes it. A Davison 48423 address can be in the township, the city or Richfield Township. Davison Township's assessor answers at 810-653-4156 extension 7300, and the township departments page lists the assessing, treasurer and building contacts at the Township Hall, 1280 N Irish Rd.
  • Water and sewer, or a well. Find out whether county water and sewer reach the house. When they do, the township's Water and Sewer Department moves the account to your name and orders the seller's final bill. When they do not, schedule a well water test and a septic inspection and ask the Genesee County Health Department for its well and septic records on the address.
  • Both tax bills. Summer bills are due by September 14 and winter bills by February 28 without interest, and special assessments print as separate lines. The township's tax bill page has a sample bill that explains each line.
  • The flood map. Look the address up on the FEMA Flood Map Service Center, including any lot near a creek or lake.
  • The kind of home. For a condo or townhome, ask for the association's budget, reserves and insurance certificate early. For a manufactured home, confirm whether the land is sold with it.

Michigan property taxes

Davison Township property taxes after you buy

The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.

In Davison Township, our 2026 Uncapping Study found taxable value typically rises about 40% the year after a sale. On a $225,000 home, near the typical Davison Township value, the first-year tax goes up roughly $1,070 at the Davison schools rate most homes here pay. We build your payment on that post-sale number.

Looking at a Davison Township address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.

How Michigan taxable value works

In Samantha's words

I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.

Treasury, 2025

What sets a Davison Township tax bill

Totals from Michigan Treasury for 2025, homestead unless noted, in mills: one mill costs $1 a year per $1,000 of taxable value. Three cards cover parcels inside Davison Township, two show Davison Community Schools under a different local government, and one shows a home the owner does not live in.

Davison schools: 33.37

About 97% of township homes. Roughly $3,337 a year for each $100,000 of taxable value.

Kearsley schools: 33.23

About 200 homes in the northwest corner. About $14 less a year per $100,000 of taxable value than the Davison district.

Goodrich schools: 35.27

About 70 homes near Maple Avenue. About $190 more a year per $100,000 of taxable value.

City of Davison: 45.05

Same district and same 48423 ZIP code, about $1,168 more a year per $100,000 than the township.

Atlas and Burton: 34.80 and 44.37

Davison Community Schools homes to the south and west. Atlas runs about $143 more a year per $100,000 than the township, Burton about $1,100 more.

A rental or second home: 51.13

A home without the principal residence exemption pays about 17.76 more mills with Davison schools, close to $1,776 a year per $100,000 of taxable value.

Local resources

Check Davison Township records yourself

The official offices behind the tax and school details on this page.

What our clients say

5.0 on Google across 128 reviews

★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
Justin BartonJune 2024
★★★★★
As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
Peter RosaAugust 2026
★★★★★
Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
MichaelJuly 2026
★★★★★
Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
Jeffery HolleyFebruary 2026
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Individual experiences. Results vary.

Davison Township mortgage questions

If yours is not here, ask it on the call. There are no dumb questions.

What are Davison Township homes selling for?

Sale figures are published by ZIP code, not by township. Redfin’s median for the three months ending September 2026 was about $285,000 in the 48423 ZIP code, up about 9% on a year earlier, with a typical 24 days to an accepted offer, and the township holds about six in ten of that ZIP code’s homes. The Census owner median for the township itself was $231,700 over 2020 to 2024. Among its block groups with tighter margins, owner values ran from about $189,000 around Brandywine to about $320,000 around Copper Ridge.

Look at the parcel number, not the envelope. Both use Davison 48423, and so do about 3,100 homes in Richfield Township to the north. The Census geocoder places 1280 N Irish Rd, Davison 48423, the Township Hall, in Davison Township and 200 E Flint St, Davison 48423, Davison City Hall, in the City of Davison. By 2020 Census counts about 9,300 homes in 48423 are in the township, about 3,100 in Richfield Township and about 2,600 in the city. The difference is real money: 33.37 mills in the township against 45.05 in the city in 2025.

It depends on the parcel. About 97% of township homes are in Davison Community Schools, about 200 in the northwest corner near Vassar and Potter roads are in Kearsley Community Schools and about 70 near Maple Avenue in the southwest corner are in Goodrich Area Schools. Treasury’s 2025 homestead totals were 33.37 mills with Davison, 33.23 with Kearsley and 35.27 with Goodrich, a gap of about $190 a year per $100,000 of taxable value between a Goodrich parcel and a Davison one.

The township says Davison Township residents get water and sewer service from the Genesee County Water and Waste Division, which reads the meters and bills monthly or quarterly, with payments due on the 15th. The township’s Water and Sewer Department, at 810-653-4156 extension 7202, changes the account to a new owner’s name and requests the seller’s final bill from the county. A house on a private well and septic system needs a well water test and septic inspection, and the Genesee County Health Department can search its permit records for the address.

Summer taxes are payable July 1 through September 14 without interest, and winter taxes December 1 through February 28. After February 28 an unpaid bill goes to the Genesee County Treasurer. The township mails every owner a paper copy of both bills even when a mortgage escrow account pays them, and any special assessment shows as its own line below the millages, so read both bills on a house before closing.

Only if the house sits in a high-risk zone on FEMA’s map and the loan is federally backed or regulated. Look the address up on the FEMA Flood Map Service Center before an offer, including lots along Black Creek, Kearsley Creek or one of the township’s small lakes. If the map shows a high-risk zone, get an insurance quote during the inspection period so the premium is in the payment from the start.

Usually, with some homework. About 1,100 township homes are attached condos or townhomes, and the lender typically reviews the association’s budget, reserves and insurance for an attached unit. A detached site condo skips Fannie Mae’s project review. Close to 600 homes are manufactured homes, most east of Oak Road, and a home sold with the land under it can use conventional, FHA or VA financing, while one on a rented lot usually needs a different kind of loan. Tell Samantha which one you are looking at before you write an offer.

The tax bill. A home that is not the owner’s principal residence pays the non-homestead rate, 51.13 mills in Davison Community Schools in 2025 against 33.37 with the exemption, about $1,776 more a year on each $100,000 of taxable value. Lenders also price and qualify an investment property differently than a home you live in, so plan for both from the start.

Communities near Davison Township

Genesee County overview

Guides for Davison Township buyers

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Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.

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