Montcalm County property record for 10943 E Spencer Rd, Crystal, MI 48818 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 2003 |
| Lot Size | 2.1 acres (91,607 sqft) |
| Owner | Individual Name on File |
| Last Sale | $189,000 (Mar 2019) |
| Tax Bill | $2,394 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Jan 2020 Mortgage |
| APN | 005-002-004-41 |
| Primary APN | 005-002-004-41 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,400 sqft Building Perimeter |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 1,400 sqft |
| Unfinished Basement | 1,400 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 91,607 sqft (2.1 acres) |
| Lot Dimensions | 370 ft deep x 200 ft wide |
| Garage Area | 616 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 10943 E SPENCER RD |
|---|---|
| City | CRYSTAL |
| State | MI |
| Zip | 48818-9751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL THAT PART OF THE SE 1/4 OF NE 1/4 LYING S OF C/L OF WHETSTONE DITCH OR CREEK, EXC: (1) W 920 FT THEREOF AND (2) E 200 FT |
| Legal Range | 05W |
| Legal Township | 10N |
| Legal Section | 02 |
| Legal Subdivision | CREEK |
| Jurisdiction | MONTCALM MI |
| Township / Civil Division | CRYSTAL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970900 |
Source: Montcalm County records · APN 005-002-004-41
Assessment roll updated July 6, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 10943 E SPENCER RD, CRYSTAL, MI 48818-9751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARRINGTON MORTGAGE SERVICES LLC |
| Jan 13, 2020 | Deed of Trust, Mortgage · VA Mortgage CREDENCE FUNDING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 22, 2019 · Amount on Record |
| Deed Sale | Mar 22, 2019 · Amount on Record |
| Prior Sale | Mar 05, 2012 · Amount on Record |
| Deed Document Number | 20193375 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTCALM MI |
| Property Address | 10943 E SPENCER RD, CRYSTAL, MI 48818-9751 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R13005 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021R-13005 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTCALM MI |
| Property Address | 10943 E SPENCER RD, CRYSTAL, MI 48818-9751 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202020R00408 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 202020R-00408 |
| Name | CREDENCE FUNDING CORP |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
Source: Montcalm County records · Assessment roll updated July 6, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Montcalm County |
| County Subdivision | Crystal Township |
| Unified School District | Carson City-Crystal Area School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $123,800 (+3.43%) | $247,600 (+3.43%) | |
| 2025 | $2,394.00 (+3.41%) | $119,700 (+20.06%) | $239,400 (+140.12%) |
| 2024 | $2,315.00 | ||
| 2023 | $99,700 | $99,700 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Low above 20% of the US · above 52% of Michigan |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures