120 E Division St, Rockford, MI 49341 Property Records

Kent County property record for 120 E Division St, Rockford, MI 49341

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,347 sqft · built 1930
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$317,500 (Mar 2025)
Tax Bill	$4,877 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-10-01-202-003`

Property Details

APN / Parcel Number

Primary APN	`41-10-01-202-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,347 sqft Living Area
1st Floor Area	983 sqft
Basement Area	728 sqft
Finished Basement	350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	10,890 sqft (0.25 acres)
Garage Area	342 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 E DIVISION ST
City	ROCKFORD
State	MI
Zip	49341-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E 66 FT OF W 561 FT OF N 165 FT OF NW 1/4 NE 1/4 * SEC 1 T8N R11W 0.25 A.
Legal Range	11W
Legal Township	08N
Legal Section	01
Jurisdiction	KENT MI
Township / Civil Division	ROCKFORD
Census Block Group	3
Census Block	3008
Census Tract	10700

Owner

120 E Division St is owned by an individual who bought it in March 2025.

Source: Kent County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	252 N MAIN ST, ROCKFORD, MI 49341-1018
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2025 · Amount on File
Deed Sale	Mar 5, 2025 · Amount on File
Prior Sale	Mar 31, 2022 · Amount on File
Deed Document Number	202511716
Prior Transfer Date	Dec 2, 2005
Prior Transfer Doc	0000010685
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	120 E DIVISION ST, ROCKFORD, MI 49341-1206
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E DIVISION ST, ROCKFORD, MI 49341-1206

Mortgage

Document Number	0000011365
Date	Feb 25, 2026
Instrument	20260225-0011365

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	120 E DIVISION ST, ROCKFORD, MI 49341-1206
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E DIVISION ST, ROCKFORD, MI 49341-1206

Mortgage

Document Number	0000011507
Date	Feb 25, 2026
Instrument	20260225-0011507

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	KALAMAZOO, MI 49009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 31, 2022
Property Address	120 E DIVISION ST, ROCKFORD, MI 49341-1206
Document Number	0000026405
Instrument Date	Mar 24, 2022
Instrument	20220331-0026405
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,231.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E DIVISION ST, ROCKFORD, MI 49341-1206

Mortgage

Document Number	0000026406
Date	Mar 31, 2022
Instrument	20220331-0026406

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 120 E Division St was $4,877.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$184,900 (+4.88%)	$369,800 (+4.88%)
2025	$4,877.00	$176,300	$352,600
2023		$142,000	$284,000
2021	$3,421.00

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

FEMA maps place 120 E Division St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 120 E Division St 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	Indirect within ember reach

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	ROCKFORD serves 7,160 people · EPA ID MI0005730
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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