11160 E Spencer Rd, Crystal, MI 48818 Property Records

Montcalm County property record for 11160 E Spencer Rd, Crystal, MI 48818

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 2002
Lot Size	2.08 acres (90,953 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Jan 2016)
Tax Bill	$1,267 (2025)
Deeds & Mortgages	May 2021 Refinance Oct 2018 Mortgage + 1 more
APN	`005-001-014-00`

Property Details

APN / Parcel Number

Primary APN	`005-001-014-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,188 sqft Building Perimeter
1st Floor Area	1,188 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	90,953 sqft (2.08 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	11160 E SPENCER RD
City	CRYSTAL
State	MI
Zip	48818-9702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5SPCMB
Legal Description	BEG 20 RDS E OF NW COR OF NW 1/4 OF SW 1/4; S 16 RDS; E 20 RDS; N 16 RDS; W 20 RDS TO P OF BEG. SEC 1, T10N R5W. 2 AC.
Legal Range	05W
Legal Township	10N
Legal Section	01
Jurisdiction	MONTCALM MI
Township / Civil Division	CRYSTAL
Census Block Group	2
Census Block	2001
Census Tract	971000

Owner

Source: Montcalm County records, as of July 6, 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 Record
Mailing Address	11160 E SPENCER RD, CRYSTAL, MI 48818-9702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance MORTGAGE 1 INC
Oct 9, 2018	Deed of Trust, Mortgage MORTGAGE 1 INC
Sep 21, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2016 · Amount on Record
Deed Sale	Jan 20, 2016 · Amount on Record
Prior Sale	Jan 21, 2009 · Amount on Record
Deed Book / Page	2016 / 653
Prior Transfer Date	Jan 17, 2009
Prior Transfer Doc	1430000358
Record Updated	Sep 20, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTCALM MI
Recording Date	May 10, 2021
Property Address	11160 E SPENCER RD, CRYSTAL, MI 48818-9702
Document Number	2021R07011
Instrument Date	May 3, 2021
Instrument	2021R07011
Transaction Type	Transfer
Record Updated	Jun 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11160 E SPENCER RD, CRYSTAL, MI 48818-9702

Mortgage

Document Number	2021R07012
Date	May 10, 2021
Instrument	2021R-07012

Lender

Name	MORTGAGE 1 INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	11160 E SPENCER RD, CRYSTAL, MI 48818-9702
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R10975
Date	Oct 9, 2018
Instrument	2018R-10975

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTCALM MI
Recording Date	Sep 21, 2017
Property Address	11160 E SPENCER RD, CRYSTAL, MI 48818-9702
Document Number	2017/10335
Book / Page	2017 / 10335
Instrument Date	Sep 14, 2017
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11160 E SPENCER RD, CRYSTAL, MI 48818-9702

Tax Assessment & Valuation

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Crystal Township
Unified School District	Carson City-Crystal Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$62,200 (+4.54%)	$124,400 (+4.54%)
2025	$1,267.00 (+2.76%)	$59,500 (+14.86%)	$119,000 (+129.73%)
2024	$1,233.00
2023		$51,800	$51,800

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

FEMA Flood Zone	Not on file

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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CMS Internet Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Point Broadband Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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