20189 Ash Rd, Big Rapids, MI 49307 Property Records

Mecosta County property record for 20189 Ash Rd, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,296 sqft · built 1978
Lot Size	2.49 acres (108,464 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,978 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01 022 033 000`

Property Details

APN / Parcel Number

Primary APN	`01 022 033 000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Lot Area	108,464 sqft (2.49 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	20189 ASH RD
City	BIG RAPIDS
State	MI
Zip	49307-9353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 22 T16N R10W PART OF GOVT LOT 6 COM AT E 1/4 COR TH W 776.83 FT TH S 18 DEG 05 M E 519.50 FT TH S 19 DEG 32 M E 575.45 FT
Legal Range	10W
Legal Township	16N
Legal Section	22
Legal Lot Number	6
Jurisdiction	MECOSTA MI
Township / Civil Division	GREEN
Census Block Group	2
Census Block	2004
Census Tract	960400

Owner

Source: Mecosta County records, as of October 20, 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	20189 ASH RD, BIG RAPIDS, MI 49307-9353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Feb 10, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS BANK & TRUST
Aug 19, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 8, 2019	Warranty Deed, Transfer · FHA Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2019
Deed Sale	Nov 8, 2019
Deed Document Number	20197934
Deed Book / Page	900 / 3603
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Recording Date	Apr 6, 2026
Property Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353
Document Number	0000002521
Book / Page	940 / 53
Instrument Date	Mar 26, 2026
Instrument	20262521
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353

Mortgage

Document Number	0000002521,
Date	Apr 6, 2026
Book Page	940/53
Instrument	20262521

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353

Mortgage

Document Number	00922/5098
Date	Feb 10, 2023
Book Page	922/5098
Instrument	202300000707

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank
Address	LANSING, MI 48919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 23, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353

Mortgage

Document Number	913/3221
Date	Aug 19, 2021
Book Page	913/3221
Instrument	202100008023

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Nov 8, 2019
Property Address	20189 ASH RD, BIG RAPIDS, MI 49307-9353
Document Number	900/3603
Book / Page	900 / 3603
Instrument Date	Oct 28, 2019
Instrument	201900007934
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	VERIFIED TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20189 ASH RD, 20189, BIG RAPIDS, MI 49307-9353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1639 WARHAWK RD, PERU, IN 46970-8737

Mortgage

Document Number	201900007935
Date	Nov 8, 2019
Instrument	201900007935

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Mecosta County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Mecosta County
County Subdivision	Green Charter Township
Unified School District	Big Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,000 (+2.4%)	$230,000 (+2.4%)
2025	$1,978.00 (+2.28%) Homeowner's exemption	$112,300 (+18.59%)	$224,600 (+18.59%)
2024	$1,934.00
2023		$94,700	$189,400

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 February 3, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 94% of the US · lower than 87% of Michigan
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Point Broadband Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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