115 Harper Dr, Sparta, MI 49345 Property Records

Kent County property record for 115 Harper Dr, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 664 sqft · built 1945
Lot Size	0.224 acres (9,757 sqft)
Owner	Individual Name on File
Last Sale	$67,000 (Nov 2012)
Tax Bill	$1,318 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-15-477-014`

Property Details

APN / Parcel Number

Primary APN	`41-05-15-477-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	664 sqft Living Area
1st Floor Area	664 sqft
Basement Area	664 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	115 HARPER DR
City	SPARTA
State	MI
Zip	49345-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOT 51 & N 15 FT OF LOT 52 * HARPER NEWHOF ADD
Legal Subdivision	HARPER NEWHOF ADD
Legal Lot Number	51-52
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	1
Census Block	1019
Census Tract	10402

Owner

115 Harper Dr is owned and occupied by an individual who acquired it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	115 HARPER DR, SPARTA, MI 49345-1015
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
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Aug 14, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 19, 2018	Intrafamily Transfer, Transfer · VA Mortgage CHOICEONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2012 · Amount on File
Deed Sale	Nov 29, 2012 · Amount on File
Prior Sale	May 20, 1998 · Amount on File
Deed Document Number	2012111278
Last Transfer Date	Jan 11, 2018
Transfer Doc	0000005397
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	115 HARPER DR, SPARTA, MI 49345-1015
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045440
Date	Apr 19, 2021
Instrument	20210419-0045440

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	115 HARPER DR, SPARTA, MI 49345-1015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073148
Date	Aug 14, 2020
Instrument	20200814-0073148

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Jan 19, 2018
Property Address	115 HARPER DR, SPARTA, MI 49345-1015
Document Number	0000005397
Map Reference	LB38 PG22
Instrument Date	Jan 11, 2018
Instrument	20180119-0005397
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 HARPER DR, SPARTA, MI 49345-1015

Mortgage

Document Number	0000005398
Date	Jan 19, 2018
Instrument	20180119-0005398

Lender

Name	CHOICEONE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 115 Harper Dr was $1,318.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Sparta Township
Municipality	Sparta Village
Unified School District	Sparta Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,600 (+5.58%)	$155,200 (+5.58%)
2025	$1,318.00 Homeowner's exemption	$73,500	$147,000
2023		$60,800	$121,600
2019	$1,098.00

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

Flood

FEMA maps place 115 Harper 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 January 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1994–2013)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Apr 2013 · 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 115 Harper Dr is low, with less than 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 93% of the US · lower than 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPARTA serves 4,140 people · EPA ID MI0006200
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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