10900 Carmen Oak Dr, Lowell, MI 49331 Property Records

Kent County property record for 10900 Carmen Oak Dr, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,244 sqft · built 2022
Lot Size	0.282 acres (12,311 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Mar 2022)
Tax Bill	$4,565 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`41-20-05-204-020`

Property Details

APN / Parcel Number

Primary APN	`41-20-05-204-020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	1,244 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Lot Area	12,311 sqft (0.282 acres)
Garage Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10900 CARMEN OAK DR
City	LOWELL
State	MI
Zip	49331-7405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OS-PUD
Legal Description	412005204020 LOT 55 * TWIN OAKS NO.2 SPLIT/COMBINED ON 07/30/2020 FROM 41-20-05-201-049; SPLIT/COMBINED ON 01/18/2021 FROM
Legal Lot Number	55
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2009
Census Tract	12003

Owner

Source: Kent County records, as of September 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	10900 CARMEN OAK DR, LOWELL, MI 49331-7405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC
Mar 17, 2022	Warranty Deed, Construction Loan · Construction Mortgage ALLEN EDWIN HOME BUILDERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2022 · Amount on Record
Deed Sale	Mar 17, 2022 · Amount on Record
Deed Document Number	202222288
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	10900 CARMEN OAK DR, LOWELL, MI 49331-7405
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	EVONS TITLE, DEVON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 MOORINGS DR, ADA, MI 49301-9451

Mortgage

Document Number	0000082084
Date	Oct 24, 2022
Instrument	20221024-0082084

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 17, 2022
Property Address	10900 CARMEN OAK DR, LOWELL, MI 49331-7405
Document Number	0000022288
Map Reference	DOC 202012110119093
Instrument Date	Jan 19, 2022
Instrument	20220317-0022288
Transaction Type	Construction Loan
Record Updated	Aug 3, 2023

Transaction

Amount	Amount Recorded
Tax	$487.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2186 E CENTRE AVE, PORTAGE, MI 49002-4420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 JOSLIN ST SE, GRAND RAPIDS, MI 49507-3309

Mortgage

Document Number	0000022289
Date	Mar 17, 2022
Instrument	20220317-0022289

Lender

Name	ALLEN EDWIN HOME BUILDERS LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Lowell Charter Township
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$167,500 (+8.13%)	$335,000 (+8.13%)
2025	$4,565.00 (+4,558.16%) Homeowner's exemption	$154,900 (+12.9%)	$309,800 (+12.9%)
2023		$137,200	$274,400
2021	$98.00

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 January 1, 2026

FEMA Flood Zone	Zone X minimal risk
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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	KEY HEIGHTS MOBILE VILLAGE private · serves 715 people · EPA ID MI0040276
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Point Broadband Fiber	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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