220 River Rd, Sparta, MI 49345 Property Records

Kent County property record for 220 River Rd, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft · built 1948
Lot Size	0.672 acres (29,272 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2022)
Tax Bill	$3,514 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-401-019`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-401-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,500 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	29,272 sqft (0.672 acres)
Lot Dimensions	183 ft deep x 160 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	220 RIVER RD
City	SPARTA
State	MI
Zip	49345-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR1
Legal Description	N 160 FT OF S 226 FT OF W 183 FT OF NW 1/4 SE 1/4 * SEC 14 T9N R12W 0.67 A.
Legal Range	12W
Legal Township	09N
Legal Section	14
Legal Subdivision	220 RIVER RD
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2011
Census Tract	10401

Owner

220 River Rd is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	220 RIVER RD, SPARTA, MI 49345-1102
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
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Mar 10, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
May 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2022 · Amount on File
Deed Sale	Mar 10, 2022 · Amount on File
Prior Sale	Sep 12, 2014 · Amount on File
Deed Document Number	202220578
Prior Transfer Date	May 10, 2006
Prior Transfer Doc	0000054403
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Recording Date	Jul 28, 2026
Property Address	220 RIVER RD, SPARTA, MI 49345-1102
Document Number	0000050883
Instrument Date	Jul 21, 2026
Instrument	202650883
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RIVER RD, SPARTA, MI 49345-1102

Mortgage

Document Number	0000050883,
Date	Jul 28, 2026
Instrument	202650883

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 21, 2041

Interest

Rate	5.84%
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 10, 2022
Property Address	220 RIVER RD, SPARTA, MI 49345-1102
Document Number	0000020578
Instrument Date	Mar 8, 2022
Instrument	20220310-0020578
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 RIVER RD, 220, SPARTA, MI 49345-1102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RIVER RD, SPARTA, MI 49345-1102

Mortgage

Document Number	0000020579
Date	Mar 10, 2022
Instrument	20220310-0020579

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	220 RIVER RD, SPARTA, MI 49345-1102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038278
Date	May 17, 2018
Instrument	20180517-0038278

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2033

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	220 RIVER RD, SPARTA, MI 49345-1102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101130
Date	Oct 28, 2020
Instrument	20201028-0101130

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 220 River Rd was $3,514.

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		$137,200 (+4.26%)	$274,400 (+4.26%)
2025	$3,514.00 Homeowner's exemption	$131,600	$263,200
2023		$111,500	$223,000
2019	$1,569.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 220 River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 220 River Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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