186 N Elm St, Sparta, MI 49345 Property Records

Kent County property record for 186 N Elm St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,633 sqft · built 1911
Lot Size	0.267 acres (11,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,500 (Sep 2025)
Tax Bill	$6,319 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-327-005`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-327-005`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,633 sqft Living Area
1st Floor Area	1,035 sqft
Basement Area	1,035 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Lot Area	11,631 sqft (0.267 acres)
Lot Dimensions	115 ft deep x 101 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 N ELM ST
City	SPARTA
State	MI
Zip	49345-1152
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOTS 14 & 15 * CLIFFORD & SAURS ADD
Legal Subdivision	CLIFFORD & SAURS ADD
Legal Lot Number	14-15
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	1
Census Block	1005
Census Tract	10402

Owner

Source: Kent County records, as of September 18, 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	186 N ELM ST, SPARTA, MI 49345-1152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Mar 27, 2023	Warranty Deed, Transfer
Feb 8, 2022	Quit Claim Deed, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC
Jul 26, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Mar 27, 2023 · Amount on Record
Deed Document Number	202563348
Prior Transfer Date	Jan 28, 2022
Prior Transfer Doc	0000011911
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Sep 30, 2025
Property Address	186 N ELM ST, SPARTA, MI 49345-1152
Document Number	0000063348
Map Reference	LB 12 PG 39
Instrument Date	Sep 24, 2025
Instrument	20250930-0063348
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,698.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12199 CANYON SUNSET ST, LAS VEGAS, NV 89138-6420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 N ELM ST, SPARTA, MI 49345-1152

Mortgage

Document Number	0000063349
Date	Sep 30, 2025
Instrument	20250930-0063349

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055
Prepayment Penalty	00 Months

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 27, 2023
Property Address	186 N ELM ST, SPARTA, MI 49345-1152
Document Number	0000015120
Map Reference	LB 12 PG 39
Instrument Date	Mar 21, 2023
Instrument	20230327-0015120
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Amount	Amount Recorded
Tax	$1,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12199 CANYON SUNSET ST, LAS VEGAS, NV 89138-6420

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Feb 8, 2022
Property Address	186 N ELM ST, SPARTA, MI 49345-1152
Document Number	0000011911
Map Reference	LB 12 PG 39
Instrument Date	Jan 28, 2022
Instrument	20220208-0011911
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26592 SHANE DR, LAKE FOREST, CA 92630-5736

Mortgage

Document Number	0000011912
Date	Feb 8, 2022
Instrument	20220208-0011912

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jul 26, 2021
Property Address	186 N ELM ST, SPARTA, MI 49345-1152
Document Number	0000083238
Map Reference	LB 12 PG 39
Instrument Date	Jul 14, 2021
Instrument	20210726-0083238
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$1,479.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 14 MILE RD NE, 85, SPARTA, MI 49345-9578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 MCLEOD DR # 100, 100, LAS VEGAS, NV 89121-2257

Tax Assessment & Valuation

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

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
2026		$124,200 (-1%)	$248,400 (-1%)
2025	$6,319.00 (+42.26%)	$138,000 (+36.9%)	$276,000 (+36.9%)
2023	$4,442.00 (+100.27%)	$100,800	$201,600
2019	$2,218.00

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
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	None beyond ember reach

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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