184 S Winter St, Hesperia, MI 49421 Property Records

Oceana County property record for 184 S Winter St, Hesperia, MI 49421

Property Summary

Property Type	Single Family Home
Lot Size	0.151 acres (6,603 sqft)
Owner	Individual Name on Record
Tax Bill	$545 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-036-200-25`

Property Details

APN / Parcel Number

Primary APN	`041-036-200-25`

Exterior

Lot Area	6,603 sqft (0.151 acres)

Location & Zoning

Street Address	184 S WINTER ST
City	HESPERIA
State	MI
Zip	49421-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WD890265 SEC 36, T14 N, R 15W, S 50 FT OF N 110 FT OF LOT COM 2 R N & 10 R W OF SE COR OF NW 1/4 OF NE 1/4 SEC 36, TH N 14 R,
Legal Range	15W
Legal Township	14N
Legal Section	36
Jurisdiction	OCEANA MI
Township / Civil Division	NEWFIELD
Census Block Group	2
Census Block	2053
Census Tract	10600

Owner

Source: Oceana County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	315 E PINE ST, FREMONT, MI 49412-1701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORITY
Jan 27, 2023	Warranty Deed, Transfer · FHA Mortgage MORTGAGE 1 INC
Jun 2, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2023
Deed Sale	Jan 27, 2023
Prior Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	2023396
Deed Book / Page	2023 / 1600
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	184 S WINTER ST, HESPERIA, MI 49421-9714
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E PINE ST, FREMONT, MI 49412-1701

Mortgage

Document Number	02023/1612
Date	Jan 27, 2023
Book Page	2023/1612
Instrument	202300000398

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jan 27, 2023
Property Address	184 S WINTER ST, HESPERIA, MI 49421-9714
Document Number	02023/1600
Book / Page	2023 / 1600
Instrument Date	Jan 24, 2023
Instrument	202300000396
Transaction Type	Transfer
Record Updated	Feb 13, 2023
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 E SLOCUM ST, WHITEHALL, MI 49461-1132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E PINE ST, FREMONT, MI 49412-1701

Mortgage

Document Number	202300000397
Date	Jan 27, 2023
Instrument	202300000397

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jun 2, 2022
Property Address	184 S WINTER ST, HESPERIA, MI 49421-9714
Document Number	2022/12402
Book / Page	2022 / 12402
Instrument Date	May 27, 2022
Instrument	202200003552
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4073 W 4 MILE RD, 4073, WHITE CLOUD, MI 49349-9480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 E SLOCUM ST, WHITEHALL, MI 49461-1132

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of July 17, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Newfield Township
Municipality	Hesperia Village
Unified School District	Hesperia Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,500 (+9.04%)	$111,000 (+9.04%)
2025	$545.00 (-54.32%) Homeowner's exemption	$50,900 (+38.69%) Land $50,900	$101,800 (+38.69%) Land $101,800
2023		$36,700 Land $36,700	$73,400 (-) Land $73,400
2022	$1,193.00		$73,400

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 August 23, 2021 · 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	8 (1979–2026)
Most Recent Claim	Apr 2026 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2026 · 2 claims Severe Storms & Flooding, Sep 1986 · 2 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	Direct burnable vegetation

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	HESPERIA serves 954 people · EPA ID MI0003130
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
NCATS Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

184 S Winter St, Hesperia, MI 49421 Property Records

Property Summary

Property Details

APN / Parcel Number

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S Winter St

Nearby Streets

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