115 N Division St, Lowell, MI 49331 Property Records

Kent County property record for 115 N Division St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,388 sqft · built 1947
Lot Size	0.179 acres (7,797 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2021)
Tax Bill	$3,385 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-01-301-002`

Property Details

APN / Parcel Number

Primary APN	`41-20-01-301-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,388 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	7,797 sqft (0.179 acres)
Lot Dimensions	132 ft deep x 59 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	115 N DIVISION ST
City	LOWELL
State	MI
Zip	49331-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	S 1/2 OF W 132 FT OF LOT 5 BLK 3 * CHAPIN & BOOTH'S ADD
Legal Subdivision	CHAPIN & BOOTHS ADD
Legal Block	3
Legal Lot Number	5
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3028
Census Tract	12004

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	115 N DIVISION ST, LOWELL, MI 49331-1401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Dec 2, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Feb 5, 2018	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG/MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Feb 5, 2018 · Amount on Record
Deed Document Number	2021112850
Prior Transfer Date	Dec 9, 2013
Prior Transfer Doc	0000003057
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Oct 15, 2021
Property Address	115 N DIVISION ST, LOWELL, MI 49331-1401
Document Number	0000112850
Map Reference	LB 24 PG 13
Instrument Date	Sep 30, 2021
Instrument	20211015-0112850
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	VERIFIED TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,419.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 N DIVISION ST, 115, LOWELL, MI 49331-1401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 YORKLAND DR NW APT 10, 10, COMSTOCK PARK, MI 49321-8865

Mortgage

Document Number	0000112851
Date	Oct 15, 2021
Instrument	20211015-0112851

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Mortgage

Document Number	0000112852
Date	Oct 15, 2021
Instrument	20211015-0112852

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2031

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	115 N DIVISION ST, LOWELL, MI 49331-1401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114877
Date	Dec 2, 2020
Instrument	20201202-0114877

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	326 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Feb 5, 2018
Property Address	115 N DIVISION ST, LOWELL, MI 49331-1401
Document Number	0000009294
Instrument Date	Jan 26, 2018
Instrument	9294
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$755.94
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 N DIVISION ST LOWELL MI 493311401, LOWELL, MI 49331-1401

Mortgage

Document Number	9295
Date	Feb 5, 2018
Instrument	9295

Lender

Name	FIFTH THIRD MTG/MI
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Lowell City
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,100 (+12.73%)	$200,200 (+12.73%)
2025	$3,385.00 (+37.99%) Homeowner's exemption	$88,800 (+14.43%)	$177,600 (+14.43%)
2023		$77,600	$155,200
2019	$2,453.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2013)
Most Recent Claim	Apr 2013 · Flooding
Claims by Event	Flooding, Apr 2013 · 3 claims

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

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.

Drinking Water

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

Water System	LOWELL serves 4,150 people · EPA ID MI0003950
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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	None 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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