10945 Williams Rd, Montague, MI 49437 Property Records

Muskegon County property record for 10945 Williams Rd, Montague, MI 49437

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1999
Lot Size	0.86 acres (37,462 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Feb 2023 Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01112100000700`

Property Details

APN / Parcel Number

Primary APN	`01112100000700`
Alternative APN	`61-01-112-100-0007-00`

Interior

Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Lot Area	37,462 sqft (0.86 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10945 WILLIAMS RD
City	MONTAGUE
State	MI
Zip	49437-9124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE RIVER TOWNSHIP SEC 12 T12N R18W PT OF N 1/2 OF NE 1/4 OF NW 1/4 DESC AS BEG ON N&S 1/4 LN S 0D 29M 13S E 220.38 FT FROM
Legal Range	18W
Legal Township	12N
Legal Section	12
Jurisdiction	MUSKEGON MI
Township / Civil Division	WHITE RIVER
Census Block Group	1
Census Block	1037
Census Tract	3900

Owner

10945 Williams Rd is owned and occupied by an individual who acquired it in January 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10945 WILLIAMS RD, MONTAGUE, MI 49437-9124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · VA Mortgage LAKE MICHIGAN CU
Jan 27, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2023
Deed Sale	Jan 27, 2023
Prior Sale	Jan 5, 2015 · Amount on File
Deed Document Number	20235785494
Deed Book / Page	4319 / 890
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	10945 WILLIAMS RD, MONTAGUE, MI 49437-9124
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004320/723
Date	Feb 8, 2023
Book Page	4320/723
Instrument	5786326

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

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

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jan 27, 2023
Property Address	10945 WILLIAMS RD, MONTAGUE, MI 49437-9124
Document Number	004319/890
Book / Page	4319 / 890
Instrument Date	Jan 25, 2023
Instrument	5785494
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	OCEANA LAND T&E AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 72, MONTAGUE, MI 49437-0072

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7851 INDIAN BAY RD, MONTAGUE, MI 49437-9782

Mortgage

Document Number	004319/891
Date	Jan 27, 2023
Book Page	4319/891
Instrument	5785495

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
County Subdivision	White River Township
Unified School District	Montague Area Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$128,000	$256,000

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

Flood

FEMA maps place 10945 Williams Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1985.

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	3 (1985–2019)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 2019 · river or lake flooding

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 10945 Williams Rd 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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