176 Cherry St, Sparta, MI 49345 Property Records

Kent County property record for 176 Cherry St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1920
Lot Size	0.176 acres (7,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,900 (Nov 2025)
Tax Bill	$1,823 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-378-003`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-378-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	864 sqft Living Area
1st Floor Area	576 sqft
Basement Area	384 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	7,667 sqft (0.176 acres)
Lot Dimensions	124 ft deep x 62 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	176 CHERRY ST
City	SPARTA
State	MI
Zip	49345-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOT 5 & N 12 FT OF LOT 8 * CHENEY & STEBBINS ADD
Legal Subdivision	CHENEY & STEBBINS ADD
Legal Lot Number	5,8
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	1
Census Block	1008
Census Tract	10402

Owner

Source: Kent County records, as of July 10, 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	111 N JEFFERSON ST, LOWELL, MI 49331-1434
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Aug 18, 2017	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Aug 18, 2017 · Amount on Record
Deed Document Number	2025111875191
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Nov 18, 2025
Property Address	176 CHERRY ST, SPARTA, MI 49345-1109
Document Number	0000075191
Map Reference	LB 19 PG 35
Instrument Date	Nov 14, 2025
Instrument	20251118-0075191
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	STARTEX TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	176 CHERRY ST, SPARTA, MI 49345-1109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 CHERRY ST, SPARTA, MI 49345-1109

Mortgage

Document Number	0000075192
Date	Nov 18, 2025
Instrument	20251118-0075192

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Aug 18, 2017
Property Address	176 CHERRY ST, SPARTA, MI 49345-1109
Document Number	0000070295
Map Reference	LB19 PG35
Instrument Date	Aug 4, 2017
Instrument	20170818-0070295
Transaction Type	Transfer
Record Updated	Jul 30, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8515 STERNBERG RD, 8515, NUNICA, MI 49448-9508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 IDA RED AVE APT 203, 203, SPARTA, MI 49345-1705

Mortgage

Document Number	0000070296
Date	Aug 18, 2017
Instrument	20170818-0070296

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Kent County assessment roll, as of June 13, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Sparta Township
Municipality	Sparta Village
Unified School District	Sparta Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,823.00 (+23.59%)	$81,100 (+20.15%)	$162,200 (+20.15%)
2023	$1,475.00 (+10.4%)	$67,500	$135,000
2019	$1,336.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1994–2013)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Apr 2013 · Flooding

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	SPARTA serves 4,140 people · EPA ID MI0006200
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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