11905 Spencer Rd, Sumner, MI 48889 Property Records

Montcalm County property record for 11905 Spencer Rd, Sumner, MI 48889

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,355 sqft · built 2001
Lot Size	2.19 acres (95,658 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Dec 2025)
Tax Bill	$1,218 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
APN	`005-001-003-21`

Property Details

APN / Parcel Number

Primary APN	`005-001-003-21`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,355 sqft Building Perimeter
1st Floor Area	924 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Lot Area	95,658 sqft (2.19 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	11905 SPENCER RD
City	SUMNER
State	MI
Zip	48889-9602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SURVEY PARCEL 7 PART OF E 1/4 OF S 1/2 OF NE 1/4 BEG N 0 DEG 20'30" E 329.88 FT FROM SW COR THEREOF, TH N 0 DEG 19'49" E 330
Legal Range	05W
Legal Township	10N
Legal Section	01
Jurisdiction	MONTCALM MI
Township / Civil Division	CRYSTAL
Census Block Group	2
Census Block	2000
Census Tract	971000

Owner

Source: Montcalm County records, as of July 6, 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	1158 S MINER RD, CRYSTAL, MI 48818-9713
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	Dec 22, 2003 · Amount on Record
Deed Document Number	202512729
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Dec 9, 2025
Property Address	11905 SPENCER RD, SUMNER, MI 48889-9602
Document Number	2025R12729
Instrument Date	Dec 3, 2025
Instrument	2025R-12729
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1158 S MINER RD, CRYSTAL, MI 48818-9713

Mortgage

Document Number	2025R12730
Date	Dec 9, 2025
Instrument	2025R-12730

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$92,700 (+10.36%)	$185,400 (+10.36%)
2025	$1,218.00 (+2.7%)	$84,000 (+18.81%)	$168,000 (+137.62%)
2024	$1,186.00
2023		$70,700	$70,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CMS Internet Fiber	1,000 / 1,000
Point Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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