11220 Headwaters Ct NE, Lowell, MI 49331 Property Records

Kent County property record for 11220 Headwaters Ct NE, Lowell, MI 49331

Property Summary

Property Type	Condominium
Details	1 bd · 1.5 ba · 2,304 sqft · built 2004
Lot Size	1.12 acres (48,831 sqft)
Owner	2 Individual Names on File
Last Sale	$424,000 (Jun 2020)
Tax Bill	$8,049 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-16-21-301-008`

Property Details

APN / Parcel Number

Primary APN	`41-16-21-301-008`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,304 sqft Living Area
1st Floor Area	1,855 sqft
Basement Area	1,855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Lot Area	48,831 sqft (1.12 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11220 HEADWATERS CT NE
City	LOWELL
State	MI
Zip	49331-8635
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-A
Legal Description	411621301008 UNIT 8 * HEADWATERS KENT COUNTY CONDOMINIUM SUBDIVISION PLAN NO.577 LIBER 6070 PAGE 951 AS AMENDED BY INSTRUMENT
Legal Subdivision	HEADWATERS KENT COUNTY CONDOMINIUM SUBDI
Legal Unit	8
Jurisdiction	KENT MI
Township / Civil Division	VERGENNES
Census Block Group	3
Census Block	3009
Census Tract	12003

Owner

11220 Headwaters Ct NE, a condominium, is owned and occupied by two individuals who acquired it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635
Occupancy	Owner Occupied
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
Dec 15, 2023	Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FCU
Jun 2, 2023	Intrafamily Transfer, Transfer
Jun 29, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
May 17, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Prior Sale	Feb 28, 2013 · Amount on File
Deed Document Number	202056045
Last Transfer Date	Apr 24, 2023
Transfer Doc	0000030619
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635

Mortgage

Document Number	0000071242
Date	Dec 15, 2023
Instrument	20231215-0071242

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	DETROIT, MI 48223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Jun 2, 2023
Property Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635
Document Number	0000030619
Map Reference	LB 6070 PG 950
Instrument Date	Apr 24, 2023
Instrument	20230602-0030619
Transaction Type	Transfer
Record Updated	Jul 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jun 29, 2020
Property Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635
Document Number	0000056045
Map Reference	LB 6070 PG 950
Instrument Date	Jun 19, 2020
Instrument	20200629-0056045
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,666.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11220 HEADWATERS CT NE, 11220, LOWELL, MI 49331-8635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3743 JASON RIDGE LN SW, WALKER, MI 49534-5811

Mortgage

Document Number	0000056046
Date	Jun 29, 2020
Instrument	20200629-0056046

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	May 17, 2018
Property Address	11220 HEADWATERS CT NE, LOWELL, MI 49331-8635
Document Number	0000038423
Instrument Date	May 7, 2018
Instrument	38423
Transaction Type	Transfer
Record Updated	Jul 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11220 HEADWATERS CT NE LOWELL MI 493318635, LOWELL, MI 49331-8635

Tax Assessment & Valuation

The 2025 property tax bill for 11220 Headwaters Ct NE was $8,049.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$302,600 (+9.92%)	$605,200 (+9.92%)
2025	$8,049.00 Homeowner's exemption	$275,300	$550,600
2023		$274,600	$549,200
2019	$4,723.00

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

Flood

FEMA maps place 11220 Headwaters Ct NE in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · 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 Claims	2 (1985–1986)
Most Recent Claim	Sep 1986 · Severe Storms & 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 11220 Headwaters Ct NE 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 8 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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