108 Division St, Big Rapids, MI 49307 Property Records

Mecosta County property record for 108 Division St, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,550 sqft · built 1890
Lot Size	0.33 acres (14,418 sqft)
Owner	Individual Name on File
Last Sale	$127,200 (Jul 2019)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-15-227-009`

Property Details

APN / Parcel Number

Primary APN	`17-15-227-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,550 sqft Total Area
Basement Area	759 sqft

Exterior

Year Built	Built 1890
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	14,418 sqft (0.33 acres)
Porch	Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	108 DIVISION ST
City	BIG RAPIDS
State	MI
Zip	49307-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	000108 DIVISION STREET: ASSESSOR'S PLAT #1 -- BLK 10, LOT 3 EXC THE N 13 FT THRF
Legal Subdivision	ASSESSOR'S PLAT
Legal Block	10
Legal Lot Number	3
Jurisdiction	MECOSTA MI
Township / Civil Division	BIG RAPIDS
Census Block Group	4
Census Block	4015
Census Tract	960600

Owner

Source: Mecosta County assessment roll, as of March 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	108 DIVISION ST, BIG RAPIDS, MI 49307-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 22, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 22, 2019 · Amount on Record
Deed Sale	Jul 22, 2019 · Amount on Record
Prior Sale	Apr 25, 2016 · Amount on Record
Deed Document Number	201900005143
Deed Book / Page	898 / 3957
Record Updated	Jun 7, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	108 DIVISION ST, BIG RAPIDS, MI 49307-1702
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	LAKELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 DIVISION ST, BIG RAPIDS, MI 49307-1702

Mortgage

Document Number	913/5940
Date	Sep 10, 2021
Book Page	913/5940
Instrument	202100008637

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Jul 22, 2019
Property Address	108 DIVISION ST, BIG RAPIDS, MI 49307-1702
Document Number	898/3957
Book / Page	898 / 3957
Instrument Date	Jul 18, 2019
Instrument	201900005143
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,096.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E 16TH ST, 120, TRAVERSE CITY, MI 49684-4115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	102 DIVISION ST, BIG RAPIDS, MI 49307-1702

Mortgage

Document Number	201900005144
Date	Jul 22, 2019
Instrument	201900005144

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Mecosta County assessment roll, as of March 1, 2023

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Big Rapids City
County	Mecosta County
Unified School District	Big Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$92,700	$185,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 3, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BIG RAPIDS serves 10,403 people · EPA ID MI0000710
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2023
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 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 / 1,000
Point Broadband Fiber Holding Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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