1325 Sumac St, Muskegon, MI 49445 Property Records

Muskegon County property record for 1325 Sumac St, Muskegon, MI 49445

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,580 sqft · built 1962
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Sep 2026)
Tax Bill	$3,090 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10201000004400`

Property Details

APN / Parcel Number

Primary APN	`10201000004400`
Alternative APNs	`61-10-201-000-0044-00` `10201000143621`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	1,580 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	13,199 sqft (0.303 acres)
Pool Area	595 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1325 SUMAC ST
City	MUSKEGON
State	MI
Zip	49445-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MUSKEGON CHARTER TOWNSHIP SEC 8 T10NR16W BB-44 BLUE BONNET HILL SUB'D NO 1 LOT 44
Legal Subdivision	BLUE BONNET HILL
Legal Lot Number	44
Jurisdiction	MUSKEGON MI
Township / Civil Division	MUSKEGON
Census Block Group	1
Census Block	1022
Census Tract	1800

Owner

1325 Sumac St is owned and occupied by two individuals who bought it in September 2026.

Source: Muskegon County records, as of October 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	406 HARRISON ST, 5, NORTH FOND DU LAC, WI 54937-1289
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · VA Mortgage ZILLOW HOME LOANS LLC
Aug 7, 2023	Intrafamily Transfer, Transfer · Line of Credit TEAM ONE CU
Jan 7, 2022	Deed of Trust, Mortgage · Line of Credit HARBORLIGHT CU
Jan 25, 2022	Quit Claim Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	Apr 8, 2016 · Amount on File
Deed Document Number	20265893924
Deed Book / Page	4428 / 423
Prior Transfer Date	Jul 24, 2023
Prior Transfer Doc	004335/900
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKEGON MI
Recording Date	Sep 14, 2026
Property Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539
Document Number	0005893924
Book / Page	4428 / 423
Instrument Date	Sep 11, 2026
Instrument	20265893924
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NATIONAL TITLE GROUP, ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230,179.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005893925,
Date	Sep 14, 2026
Instrument	20265893925

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MUSKEGON MI
Recording Date	Aug 7, 2023
Property Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539
Document Number	004335/900
Book / Page	4335 / 900
Map Reference	LB 16 PG 47
Instrument Date	Jul 24, 2023
Instrument	5801490
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	MICHIGAN TRUSTED TITLE AGENCY, MICHIGAN TERUSTED TITLE AGCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539

Mortgage

Document Number	0005801491
Date	Aug 7, 2023
Instrument	5801491

Lender

Name	TEAM ONE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKEGON MI
Property Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539

Mortgage

Document Number	004285/720
Date	Jan 7, 2022
Book Page	4285/720
Instrument	5751358

Lender

Name	HARBORLIGHT CU
Type	Credit Union
Address	WHITEHALL, MI 49461

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MUSKEGON MI
Recording Date	Jan 25, 2022
Property Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539
Document Number	004287/224
Book / Page	4287 / 224
Map Reference	LB 16 PG 47
Instrument Date	Jan 18, 2022
Instrument	5752860
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	652 RUDDIMAN DR, 652, MUSKEGON, MI 49445-2877

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 SUMAC ST, MUSKEGON, MI 49445-2539

Mortgage

Document Number	0004287225
Date	Jan 25, 2022
Instrument	4287/225

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1325 Sumac St was $3,090 with a homeowner's exemption, down 0.4% from the year before.

Source: Muskegon County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Muskegon County
County Subdivision	Muskegon Charter Township
Unified School District	Reeths-Puffer Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,200 (+4.86%)	$224,400 (+4.86%)
2025	$3,090.00 (-0.39%) Homeowner's exemption	$107,000	$214,000
2024	$3,102.00
2023		$80,700	$161,400
2022	$2,206.00

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 1325 Sumac St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021

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 1325 Sumac 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
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	MUSKEGON CO EASTSIDE WATER SYSTEM serves 7,135 people · EPA ID MI0004590
Water Source	Purchased surface water from MUSKEGON
Last State Inspection	May 2022
Also Mapped Here	NORTH MUSKEGON
Lead	4 ppb (2021–2023) 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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