178 E Division St, Rockford, MI 49341 Property Records

Kent County property record for 178 E Division St, Rockford, MI 49341

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,519 sqft · built 1922
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Mar 2017)
Tax Bill	$3,259 (2025)
Deeds & Mortgages	Oct 2021 Transfer Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41-10-01-203-027`

Property Details

APN / Parcel Number

Primary APN	`41-10-01-203-027`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,519 sqft Living Area
1st Floor Area	1,215 sqft
Basement Area	1,215 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 2011
Architectural Style	Ranch
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	1,447 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	178 E DIVISION ST
City	ROCKFORD
State	MI
Zip	49341-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PART OF NEFRL 1/4 COM 138.1 FT W OF SW COR OF DIVISION ST & FREMONT AVE TH W 50 FT TH S 165 FT TH E 50 FT TH N 165 FT TO BEG
Legal Range	11W
Legal Township	08N
Legal Section	01
Legal Subdivision	FT W OF SW COR OF DIVISION
Jurisdiction	KENT MI
Township / Civil Division	ROCKFORD
Census Block Group	3
Census Block	3021
Census Tract	10700

Owner

178 E Division St is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259
Occupancy	Owner Occupied
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
Oct 20, 2021	Intrafamily Transfer, Transfer
Aug 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Mar 22, 2021	Intrafamily Transfer, Transfer
Nov 6, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 14, 2017	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2017 · Amount on File
Deed Sale	Mar 14, 2017 · Amount on File
Prior Sale	Aug 29, 2011 · Amount on File
Deed Document Number	201721419
Last Transfer Date	Oct 13, 2021
Transfer Doc	0000114505
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Oct 20, 2021
Property Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259
Document Number	0000114505
Instrument Date	Oct 13, 2021
Instrument	20211020-0114505
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Aug 16, 2021
Property Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259
Document Number	0000090847
Instrument Date	Aug 6, 2021
Instrument	20210816-0090847
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	TITLE RESOURCE AGENCY

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
Relationship	Tenants by the Entirety
Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259

Mortgage

Document Number	0000090848
Date	Aug 16, 2021
Instrument	20210816-0090848

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	273 Months
Due	May 1, 2044

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENT MI
Recording Date	Mar 22, 2021
Property Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259
Document Number	0000033644
Instrument Date	Feb 23, 2021
Instrument	20210322-0033644
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Nov 6, 2020
Property Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259
Document Number	0000105300
Instrument Date	Oct 21, 2020
Instrument	105300
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 E DIVISION ST ROCKFORD MI 493411259, ROCKFORD, MI 49341-1259

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 14, 2017
Property Address	178 E DIVISION ST, ROCKFORD, MI 49341-1259
Document Number	0000021419
Instrument Date	Mar 10, 2017
Instrument	21419
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,488.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1466 HIDDEN CREEK CIRCLE DR NE #A GRAND RAPIDS MI 495055474, A, GRAND RAPIDS, MI 49505-5474

Mortgage

Document Number	21420
Date	Mar 14, 2017
Instrument	21420

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 178 E Division St was $3,259, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Rockford City
Unified School District	Rockford Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,900 (+5.77%)	$333,800 (+5.77%)
2025	$3,259.00 (+2.58%) Homeowner's exemption	$157,800	$315,600
2024	$3,177.00
2023		$120,500	$241,000
2021	$3,414.00

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

Flood

FEMA maps place 178 E Division St 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 178 E Division 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	ROCKFORD serves 7,160 people · EPA ID MI0005730
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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