14903 Hemlock Ave, Gowen, MI 49326 Property Records

Kent County property record for 14903 Hemlock Ave, Gowen, MI 49326

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,879 sqft
Lot Size	0.265 acres (11,543 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Aug 2019)
Tax Bill	$5,452 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-04-22-376-024`

Property Details

APN / Parcel Number

Primary APN	`41-04-22-376-024`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,879 sqft Living Area
1st Floor Area	1,723 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	105 ft deep x 110 ft wide
Garage Area	835 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	14903 HEMLOCK AVE
City	GOWEN
State	MI
Zip	49326-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	L-R
Legal Description	LOTS 16 & 17 ALSO N 10 FT OF LOT 18 * HEMLOCK PARK
Legal Subdivision	HEMLOCK PARK
Legal Lot Number	16-18
Jurisdiction	KENT MI
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1083
Census Tract	10102

Owner

14903 Hemlock Ave is owned by two individuals who bought it in August 2019.

Source: Kent County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3805 COVERT RD, WATERFORD, MI 48328-1324
Owner Type	Individual

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
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 6, 2019	Warranty Deed, Transfer NOT AVAILABLE
Feb 22, 2017	Deed of Trust, Mortgage CHEMICAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on File
Deed Sale	Aug 6, 2019 · Amount on File
Deed Document Number	201957942
Prior Transfer Date	May 3, 2016
Prior Transfer Doc	0000038285
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	14903 HEMLOCK AVE, GOWEN, MI 49326-9428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071372
Date	Aug 11, 2020
Instrument	20200811-0071372

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Aug 6, 2019
Property Address	14903 HEMLOCK AVE, GOWEN, MI 49326-9428
Document Number	0000057942
Instrument Date	Jul 26, 2019
Instrument	57942
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,408.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3805 COVERT RD WATERFORD MI 483281324, WATERFORD, MI 48328-1324

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	14903 HEMLOCK AVE, GOWEN, MI 49326-9428
Document Number	0000016411
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	14903 HEMLOCK AVE GOWEN MI 493269428, GOWEN, MI 49326-9428

Mortgage

Document Number	0000016411
Date	Feb 23, 2017
Instrument	16411

Lender

Name	CHEMICAL BK
Type	Bank
Address	WYOMING, MI 49519

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 14903 Hemlock Ave was $5,452.

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	Cedar Springs Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$189,700 (+3.27%)	$379,400 (+3.27%)
2025	$5,452.00	$183,700	$367,400
2023		$151,700	$303,400
2021	$4,866.00

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

Flood

FEMA maps place 14903 Hemlock Ave 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 14903 Hemlock Ave is low, with less than 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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 44 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

Cell Coverage

5G (outdoors only) and 4G LTE

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