189 Alma St, Sparta, MI 49345 Property Records

Kent County property record for 189 Alma St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,056 sqft · built 1925
Lot Size	0.249 acres (10,846 sqft)
Owner	2 Individual Names on File
Last Sale	$243,750 (Mar 2026)
Tax Bill	$2,515 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-308-015`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-308-015`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,056 sqft Living Area
1st Floor Area	792 sqft
Basement Area	792 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	10,846 sqft (0.249 acres)
Lot Dimensions	150 ft deep x 72 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	189 ALMA ST
City	SPARTA
State	MI
Zip	49345-1146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOT 5 ALSO LOT 6 EX E 60 FT * CLIFFORD & SAURS ADD
Legal Subdivision	FT CLIFFORD & SAURS ADD
Legal Lot Number	5-6
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	1
Census Block	1004
Census Tract	10402

Owner

189 Alma St is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	189 ALMA ST, SPARTA, MI 49345-1146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Mar 24, 2026	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Jul 15, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 21, 2020	Deed of Trust, Mortgage QUICKEN LOANS LLC
Jan 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on File
Deed Sale	Mar 24, 2026 · Amount on File
Prior Sale	Jul 15, 2021 · Amount on File
Deed Document Number	202617248
Prior Transfer Date	Jan 12, 2001
Prior Transfer Doc	0052590612
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 24, 2026
Property Address	189 ALMA ST, SPARTA, MI 49345-1146
Document Number	0000017248
Map Reference	LB 12 PG 39
Instrument Date	Mar 18, 2026
Instrument	20260324-0017248
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	CHICAGO TITLE MERIDIAN, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,830.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	189 ALMA ST, SPARTA, MI 49345-1146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 ALMA ST, SPARTA, MI 49345-1146

Mortgage

Document Number	0000017249
Date	Mar 24, 2026
Instrument	20260324-0017249

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jul 15, 2021
Property Address	189 ALMA ST, SPARTA, MI 49345-1146
Document Number	0000079458
Map Reference	LB 12 PG 39
Instrument Date	Jul 7, 2021
Instrument	20210715-0079458
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,462.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	189 ALMA ST, 189, SPARTA, MI 49345-1146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 ALMA ST, SPARTA, MI 49345-1146

Mortgage

Document Number	0000079459
Date	Jul 15, 2021
Instrument	20210715-0079459

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	189 ALMA ST, SPARTA, MI 49345-1146
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122564
Date	Dec 21, 2020
Instrument	20201221-0122564

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	189 ALMA ST, SPARTA, MI 49345-1146
Document Number	0000007850
Instrument Date	Jan 20, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 ALMA ST SPARTA MI 493451146, SPARTA, MI 49345-1146

Mortgage

Document Number	0000007850
Date	Jan 30, 2018
Instrument	7850

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 29, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 189 Alma St was $2,515, down 10.7% from the year before.

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		$110,300 (+5.35%)	$220,600 (+5.35%)
2025	$2,515.00 (-10.69%) Homeowner's exemption	$104,700	$209,400
2024	$2,816.00
2023		$87,100	$174,200
2019	$1,192.00

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

FEMA maps place 189 Alma St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1994.

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

Wildfire risk around 189 Alma 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	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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