130 James St, Lowell, MI 49331 Property Records

Kent County property record for 130 James St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,753 sqft · built 1930
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Feb 2019)
Tax Bill	$6,029 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-01-154-015`

Property Details

APN / Parcel Number

Primary APN	`41-20-01-154-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,753 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	134 ft deep x 143 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	130 JAMES ST
City	LOWELL
State	MI
Zip	49331-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOTS 5 & 6 BLK 1 * FAIRCHILDS ADD
Legal Subdivision	FAIRCHILDS ADD
Legal Block	1
Legal Lot Number	5-6
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3023
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	2 Individual Names on Record
Mailing Address	130 JAMES ST, LOWELL, MI 49331-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Feb 25, 2019	Warranty Deed, Transfer · Conventional with PMI NEIGHBORHOOD LOANS
Dec 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on Record
Deed Sale	Feb 25, 2019 · Amount on Record
Prior Sale	Apr 29, 2003 · Amount on Record
Deed Document Number	201911994
Last Transfer Date	Aug 5, 2025
Transfer Doc	0000051268
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	130 JAMES ST, LOWELL, MI 49331-1429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076232
Date	Aug 24, 2020
Instrument	20200824-0076232

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Feb 25, 2019
Property Address	130 JAMES ST, LOWELL, MI 49331-1429
Document Number	0000011994
Instrument Date	Feb 21, 2019
Instrument	11994
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	CHICAGO TITLE/MI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 JAMES ST LOWELL MI 493311429, LOWELL, MI 49331-1429

Mortgage

Document Number	11995
Date	Feb 25, 2019
Instrument	11995

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 24, 2034

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Dec 18, 2018
Property Address	130 JAMES ST, LOWELL, MI 49331-1429
Document Number	0000098208
Instrument Date	Dec 1, 2018
Instrument	98208
Transaction Type	Transfer
Record Updated	Jan 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4.30
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 JAMES ST LOWELL MI 493311429, LOWELL, MI 49331-1429

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		$194,500 (-4.19%)	$389,000 (-4.19%)
2025	$6,029.00 (+22.24%) Homeowner's exemption	$203,000 (+28.89%)	$406,000 (+28.89%)
2024	$4,932.00 (+81.79%)
2023		$157,500	$315,000
2019	$2,713.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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	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.

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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