21 Centennial St, Sparta, MI 49345 Property Records

Kent County property record for 21 Centennial St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,512 sqft · built 1919
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Nov 2019)
Tax Bill	$2,312 (2025)
Deeds & Mortgages	May 2022 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-23-101-038`

Property Details

APN / Parcel Number

Primary APN	`41-05-23-101-038`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,512 sqft Living Area
1st Floor Area	862 sqft
Basement Area	650 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Lot Area	6,752 sqft (0.155 acres)
Lot Depth	132 ft Depth
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	21 CENTENNIAL ST
City	SPARTA
State	MI
Zip	49345-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	W 51.25 FT OF E 68 FT OF S 1/3 OF LOT 5 BLK 3 ALSO W 51.25 FT OF E 68 FT OF LOT 6 BLK 3 * VILLAGE OF SPARTA
Legal Subdivision	VILLAGE OF SPARTA
Legal Block	3
Legal Lot Number	5-6
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2008
Census Tract	10402

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21 CENTENNIAL ST, SPARTA, MI 49345-1301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 20, 2019	Warranty Deed, Transfer NEIGHBORHOOD LOANS
Jul 10, 2019	Deed of Trust, Mortgage · Line of Credit ADVENTURE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Apr 19, 2016 · Amount on Record
Deed Document Number	201991570
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	21 CENTENNIAL ST, SPARTA, MI 49345-1301
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CENTENNIAL ST, SPARTA, MI 49345-1301

Mortgage

Document Number	0000042102
Date	May 20, 2022
Instrument	20220520-0042102

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Nov 20, 2019
Property Address	21 CENTENNIAL ST, SPARTA, MI 49345-1301
Document Number	0000091570
Instrument Date	Nov 13, 2019
Instrument	91570
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	CHICAGO TITLE/MI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$989.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	136 CENTENNIAL ST #APT3 SPARTA MI 493451349, SPARTA, MI 49345-1349

Mortgage

Document Number	91571
Date	Nov 20, 2019
Instrument	91571

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2049

Mortgage

Document Number	97152,
Date	Nov 20, 2019
Instrument	97152

Lender

Name	WILLIAM E DODGE
Address	13615 PINEWOOD DR, GRAND HAVEN, MI 49417-9595
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2039

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	21 CENTENNIAL ST, SPARTA, MI 49345-1301
Document Number	0000052304
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21-CENTENNIAL ST SPARTA MI 49345, SPARTA, MI 49345

Mortgage

Document Number	0000052304
Date	Jul 18, 2019
Instrument	52304

Lender

Name	ADVENTURE CU
Address	GRAND RAPIDS, MI 49548

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 17, 2029

Interest

Rate Type	Adjustable Rate

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		$104,900 (+5.11%)	$209,800 (+5.11%)
2025	$2,312.00 (+46.98%) Homeowner's exemption	$99,800 (+19.81%)	$199,600 (+19.81%)
2023		$83,300	$166,600
2019	$1,573.00

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 January 1, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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