20685 James Ave, Big Rapids, MI 49307 Property Records

Mecosta County property record for 20685 James Ave, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 2002
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Nov 2021)
Tax Bill	$1,292 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2007 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01 057 022 000`

Property Details

APN / Parcel Number

Primary APN	`01 057 022 000`

Interior

Full Baths	1 Bath
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Lot Area	16,988 sqft (0.39 acres)

Location & Zoning

Street Address	20685 JAMES AVE
City	BIG RAPIDS
State	MI
Zip	49307-8898
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 27 T16N R10W MAPLEWOOD SUBDIVISION LOT 22
Legal Range	10W
Legal Township	16N
Legal Section	27
Legal Subdivision	MAPLEWOOD SUBDIVISION
Legal Lot Number	22
Jurisdiction	MECOSTA MI
Township / Civil Division	GREEN
Census Block Group	2
Census Block	2038
Census Tract	960400

Owner

20685 James Ave is owned and occupied by an individual who bought it in November 2021.

Source: Mecosta County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20685 JAMES AVE, BIG RAPIDS, MI 49307-8898
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
Nov 15, 2021	Warranty Deed, Transfer · FHA Mortgage INDEPENDENT BANK
Jun 5, 2007	Warranty Deed, Transfer · ARM LAKE OSCEOLA MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Prior Sale	Jun 5, 2007
Deed Document Number	202110638
Deed Book / Page	915 / 2867
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Nov 15, 2021
Property Address	20685 JAMES AVE, BIG RAPIDS, MI 49307-8898
Document Number	915/2867
Book / Page	915 / 2867
Map Reference	LB 7 PG 25
Instrument Date	Nov 15, 2021
Instrument	202100010638
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	NOT AVAILABLE, LAKELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,315.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20685 JAMES AVE, 20685, BIG RAPIDS, MI 49307-8898

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14751 17 MILE RD, RODNEY, MI 49342-9719

Mortgage

Document Number	202100010639
Date	Nov 15, 2021
Instrument	202100010639

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

June 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Jun 5, 2007
Property Address	20685 JAMES AVE, BIG RAPIDS, MI 49307-8898
Document Number	00764/0327
Book / Page	764 / 0327
Map Reference	LB7 PG25
Instrument Date	Jun 1, 2007
Instrument	200700004790
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	MECOSTA COUNTY ABSTRACT & TI

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20685 JAMES AVE, BIG RAPIDS, MI 49307-8898

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 HUTCHINSON ST, BIG RAPIDS, MI 49307-1936

Mortgage

Document Number	200700004791
Date	Jun 5, 2007
Instrument	200700004791

Lender

Name	LAKE OSCEOLA MORTGAGE CORP

Agreement

Type	ARM
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2032

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

Tax Assessment & Valuation

The 2025 property tax bill for 20685 James Ave was $1,292 with a homeowner's exemption.

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		$72,900	$145,800
2025	$1,292.00
2023		$55,500	$111,000

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 20685 James Ave in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 20685 James Ave 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Point Broadband Fiber · Fixed Wireless	1,000 / 1,000

May also be available: T-Mobile.

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