1104 N Shore Dr, Mears, MI 49436 Property Records

Oceana County property record for 1104 N Shore Dr, Mears, MI 49436

Property Summary

Property Type	Single Family Home
Lot Size	0.435 acres (18,958 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Jun 2020)
Tax Bill	$11,011 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-140-013-00`

Property Details

APN / Parcel Number

Primary APN	`006-140-013-00`

Exterior

Lot Area	18,958 sqft (0.435 acres)

Location & Zoning

Street Address	1104 N SHORE DR
City	MEARS
State	MI
Zip	49436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1104 N SHORE DR & 8540 W SILVER LAKE RD - ADELIA BEACH LOTS 13 & 36 WD-2004/31305 WD-2009/23002 QC-2012/5059 QC-2012/5076 JOD
Legal Subdivision	ADELIA BEACH
Legal Lot Number	13-36
Jurisdiction	OCEANA MI
Township / Civil Division	GOLDEN
Census Block Group	1
Census Block	1034
Census Tract	11000

Owner

1104 N Shore Dr is owned by an individual who acquired it in October 2025.

Source: Oceana County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	4295 HARALSON CT SE, GRAND RAPIDS, MI 49546-8277
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
May 28, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Oct 13, 2025	Intrafamily Transfer, Transfer
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jun 9, 2020	Warranty Deed, Transfer · Line of Credit HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2020 · Amount on File
Deed Sale	Jun 9, 2020 · Amount on File
Prior Sale	Oct 12, 2004
Deed Document Number	20203061
Deed Book / Page	2020 / 10356
Last Transfer Date	Oct 13, 2025
Transfer Doc	2025/20351
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Recording Date	May 28, 2026
Property Address	1104 N SHORE DR, MEARS, MI 49436
Document Number	2026/11760
Book / Page	2026 / 11760
Instrument Date	May 18, 2026
Instrument	20263229
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4295 HARALSON CT SE, GRAND RAPIDS, MI 49546-8277

Mortgage

Document Number	0000003229,
Date	May 28, 2026
Book Page	2026/11760
Instrument	20263229

Lender

Name	HORIZON BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	76 Months
Due	Sep 27, 2032

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Oct 13, 2025
Property Address	1104 N SHORE DR, MEARS, MI 49436-9203
Document Number	2025/20351
Book / Page	2025 / 20351
Instrument Date	Oct 13, 2025
Instrument	202500005302
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4295 HARALSON CT SE, GRAND RAPIDS, MI 49546-8277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4295 HARALSON CT SE, GRAND RAPIDS, MI 49546-8277

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	1104 N SHORE DR, MEARS, MI 49436-9203
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022/20061
Date	Sep 27, 2022
Book Page	2022/20061
Instrument	202200005608

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 27, 2032

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jun 9, 2020
Property Address	1104 N SHORE DR, MEARS, MI 49436-9203
Document Number	2020/10356
Book / Page	2020 / 10356
Instrument Date	Jun 4, 2020
Instrument	202000003061
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Tax	$3,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	466 E 16TH ST, 466, HOLLAND, MI 49423-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4295 HARALSON CT SE, GRAND RAPIDS, MI 49546-8277

Mortgage

Document Number	202000003062
Date	Jun 9, 2020
Instrument	202000003062

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1104 N Shore Dr was $11,011, down 0.4% from the year before.

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Golden Township
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,800 (+14.84%) Land $387,800	$775,600 (+14.84%) Land $775,600
2025	$11,011.00 (-0.44%)	$337,700 Land $337,700	$675,400 Land $675,400
2024	$11,060.00
2023		$274,100 Land $274,100	$548,200 (-) Land $548,200
2022	$9,802.00		$548,200

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

Flood

FEMA maps place 1104 N Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Claims	3 (1986–1997)
Most Recent Claim	Sep 1997 · 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 1104 N Shore Dr 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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