12461 18 Mile Rd, Gowen, MI 49326 Property Records

Kent County property record for 12461 18 Mile Rd, Gowen, MI 49326

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1979
Lot Size	0.721 acres (31,407 sqft)
Owner	Company Name on Record
Tax Bill	$3,607 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-04-27-201-012`

Property Details

APN / Parcel Number

Primary APN	`41-04-27-201-012`

Interior

Full Baths	1 Bath
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Lot Area	31,407 sqft (0.721 acres)
Lot Dimensions	157 ft deep x 200 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12461 18 MILE RD
City	GOWEN
State	MI
Zip	49326-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	L-R
Legal Description	PART OF GOVT LOT 2 COM ON N LINE OF 18 MILE RD /66 FT WIDE/ 1098.8 FT N & 323.4 FT E OF SW COR OF GOVT LOT 2 TH WLY ALONG N
Legal Range	09W
Legal Township	10N
Legal Section	27
Legal Lot Number	2
Jurisdiction	KENT MI
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1080
Census Tract	10102

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	Company Name on Record
Mailing Address	12461 18 MILE RD, GOWEN, MI 49326-9732
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 1999
Deed Sale	Oct 8, 1999
Prior Sale	Apr 24, 1996 · Amount on Record
Deed Book / Page	4917 / 327
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	12461 18 MILE RD, GOWEN, MI 49326-9732
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12461 18 MILE RD, GOWEN, MI 49326-9732

Mortgage

Document Number	0000026546
Date	Mar 31, 2022
Instrument	20220331-0026546

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	GREENVILLE, MI 48838

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	12461 18 MILE RD, GOWEN, MI 49326-9732
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041609
Date	Apr 7, 2021
Instrument	20210407-0041609

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	ALMA, MI 48801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	12461 18 MILE RD, GOWEN, MI 49326-9732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038341
Date	May 7, 2020
Instrument	20200507-0038341

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Spencer Township
Unified School District	Greenville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$258,100 (+4.07%)	$516,200 (+4.07%)
2025	$3,607.00 (+8.84%) Homeowner's exemption	$248,000 (+31.36%)	$496,000 (+31.36%)
2023		$188,800	$377,600
2021	$3,314.00

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

Flood

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

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
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Point Broadband Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Truestream.

Cell Coverage

5G (outdoors only) and 4G LTE

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