20850 Emerald Ln, Big Rapids, MI 49307 Property Records

Mecosta County property record for 20850 Emerald Ln, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,046 sqft · built 1975
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Tax Bill	$3,157 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01 042 016 000`

Property Details

APN / Parcel Number

Primary APN	`01 042 016 000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,046 sqft Living Area
1st Floor Area	1,448 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Lot Area	13,504 sqft (0.31 acres)
Garage Area	572 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	20850 EMERALD LN
City	BIG RAPIDS
State	MI
Zip	49307-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 34 T16N R10W LOT 16 GREENHAVEN SUB
Legal Range	10W
Legal Township	16N
Legal Section	34
Legal Subdivision	GREENHAVEN SUB
Legal Lot Number	16
Jurisdiction	MECOSTA MI
Township / Civil Division	GREEN
Census Block Group	2
Census Block	2031
Census Tract	960400

Owner

20850 Emerald Ln is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	20850 EMERALD LN, BIG RAPIDS, MI 49307-9725
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Sep 26, 2022
Property Address	20850 EMERALD LN, BIG RAPIDS, MI 49307-9725
Document Number	00920/5671
Book / Page	920 / 5671
Map Reference	LB 4 PG 28
Instrument Date	Sep 20, 2022
Instrument	202200007493
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	LAKELAND TITLE/MECOSTA COMPANY, LAKELAND TITLE OF MECOSTA CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3281 RIMCREST CIR, 3281, LAGUNA BEACH, CA 92651-2089

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10101 COTTAGE RD, DOWLING, MI 49050-9600

Mortgage

Document Number	202200007494
Date	Sep 26, 2022
Instrument	202200007494

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 20850 Emerald Ln was $3,157 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		$125,600	$251,200
2025	$3,157.00
2023		$99,300	$198,600

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 20850 Emerald Ln 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 20850 Emerald Ln 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	COUNTRY MANOR private · serves 190 people · EPA ID MI0040656
Water Source	Groundwater
Last State Inspection	Oct 2023
Also Mapped Here	BIG RAPIDS
Lead	19 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 58 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