1069 Thomas Ave, Muskegon, MI 49445 Property Records

Muskegon County property record for 1069 Thomas Ave, Muskegon, MI 49445

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,846 sqft · built 1982
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on File
Last Sale	$80,977 (Mar 2012)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`09730000001100`

Property Details

APN / Parcel Number

Primary APN	`09730000001100`
Alternative APN	`61-09-730-000-0011-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,846 sqft Living Area
1st Floor Area	1,846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Lot Area	11,587 sqft (0.266 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1069 THOMAS AVE
City	MUSKEGON
State	MI
Zip	49445-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LAKETON TOWNSHIP L-RUS11 PLAT OF RUSSO'S SUB LOT 11 SEC 1 T10N R17W
Legal Subdivision	RUSSO'S
Legal Lot Number	11
Jurisdiction	MUSKEGON MI
Township / Civil Division	LAKETON
Census Block Group	2
Census Block	2003
Census Tract	1700

Owner

1069 Thomas Ave is owned and occupied by two individuals who bought it in March 2012.

Source: Muskegon County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
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
Apr 21, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Feb 6, 2024	Deed of Trust, Mortgage · VA Mortgage E MORTGAGE CAPITAL INC
Jan 4, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 13, 2022	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Jul 11, 2022	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Dec 29, 2021	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Oct 1, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 15, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2012 · Amount on File
Deed Sale	Mar 22, 2012 · Amount on File
Prior Sale	Jun 2, 2009 · Amount on File
Deed Document Number	20125407931
Deed Book / Page	3906 / 220
Prior Transfer Date	May 16, 2006
Prior Transfer Doc	0005202207
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Recording Date	Apr 21, 2026
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Document Number	0005881910
Book / Page	4416 / 396
Instrument Date	Apr 15, 2026
Instrument	20265881910
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252

Mortgage

Document Number	0005881910,
Date	Apr 21, 2026
Book Page	4416/396
Instrument	20265881910

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252

Mortgage

Document Number	004347/953
Date	Feb 6, 2024
Book Page	4347/953
Instrument	5813531

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Transaction Type	Mortgage
Record Updated	Jan 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252

Mortgage

Document Number	004318/416
Date	Jan 4, 2023
Book Page	4318/416
Instrument	5784021

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004247/523
Date	Feb 9, 2021
Book Page	4247/523
Instrument	5713198

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1068 THOMAS AVE, MUSKEGON, MI 49445-1253

Mortgage

Document Number	004305/370
Date	Jul 13, 2022
Book Page	4305/370
Instrument	5770988

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 2, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252

Mortgage

Document Number	0004305/62
Date	Jul 11, 2022
Book Page	4305/62
Instrument	5770680

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252

Mortgage

Document Number	004284/673
Date	Dec 29, 2021
Book Page	4284/673
Instrument	5750312

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Document Number	0005661624
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1069 THOMAS AVE MUSKEGON MI 494451252, MUSKEGON, MI 49445-1252

Mortgage

Document Number	0005661624
Date	Aug 1, 2019
Book Page	004195/000897
Instrument	5661624

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Document Number	0005635119
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1069 THOMAS AVE MUSKEGON MI 494451252, MUSKEGON, MI 49445-1252

Mortgage

Document Number	0005635119
Date	Oct 11, 2018
Book Page	004169/000368
Instrument	5635119

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1069 THOMAS AVE, MUSKEGON, MI 49445-1252
Document Number	0005609928
Book / Page	004144 / 000153
Instrument Date	Jan 15, 2018
Transaction Type	Mortgage
Record Updated	Feb 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1069 THOMAS AVE MUSKEGON MI 494451252, MUSKEGON, MI 49445-1252

Mortgage

Document Number	0005609928
Date	Jan 22, 2018
Book Page	004144/000153
Instrument	5609928

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2048

Tax Assessment & Valuation

Source: Muskegon County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
County Subdivision	Laketon Township
Unified School District	Reeths-Puffer Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,800 (+10.32%)	$273,600 (+10.32%)
2025	Homeowner's exemption	$124,000	$248,000

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

Flood

FEMA maps place 1069 Thomas Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · 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	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2019 · rainfall accumulation

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 1069 Thomas Ave 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thomas Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures