220 N Division St, Lowell, MI 49331 Property Records

Kent County property record for 220 N Division St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,158 sqft · built 1900
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Nov 2019)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`41-20-02-286-016`

Property Details

APN / Parcel Number

Primary APN	`41-20-02-286-016`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,158 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	220 N DIVISION ST
City	LOWELL
State	MI
Zip	49331-1483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PART OF LOTS 4, 5 & 6 BLK 23 COM AT SE COR OF LOT 6 TH NLY 85.7 FT ALONG E LINE OF LOT 6 TH SWLY 181.65 FT PAR WITH N LINES
Legal Subdivision	AVERY S
Legal Block	23
Legal Lot Number	4-6
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3030
Census Tract	12004

Owner

Source: Kent County records, as of September 18, 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	220 N DIVISION ST, LOWELL, MI 49331-1483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on Record
Deed Sale	Nov 4, 2019 · Amount on Record
Prior Sale	Nov 24, 1998 · Amount on Record
Deed Document Number	201985494
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	220 N DIVISION ST, LOWELL, MI 49331-1483
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N DIVISION ST, LOWELL, MI 49331-1483

Mortgage

Document Number	0000064568
Date	Oct 3, 2025
Instrument	20251003-0064568

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Nov 4, 2019
Property Address	220 N DIVISION ST, LOWELL, MI 49331-1483
Document Number	0000085494
Map Reference	LB 2 PG 55
Instrument Date	Oct 18, 2019
Instrument	20191104-0085494
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 N DIVISION ST, 220, LOWELL, MI 49331-1483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N DIVISION ST, LOWELL, MI 49331-1483

Mortgage

Document Number	0000085495
Date	Nov 4, 2019
Instrument	20191104-0085495

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Lowell City
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,500 (+3.95%)	$221,000 (+3.95%)
2025	$3,993.00 (+98.07%) Homeowner's exemption	$106,300 (+16.81%)	$212,600 (+16.81%)
2023		$91,000	$182,000
2019	$2,016.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2013)
Most Recent Claim	Apr 2013 · Flooding
Claims by Event	Flooding, Apr 2013 · 3 claims

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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	LOWELL serves 4,150 people · EPA ID MI0003950
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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	None 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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