225 Water St, Belding, MI 48809 Property Records

Ionia County property record for 225 Water St, Belding, MI 48809

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,242 sqft · built 1930
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Nov 2023)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Jan 2005 Mortgage Apr 2007 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40214000033000`

Property Details

APN / Parcel Number

Primary APN	`40214000033000`
Alternative APN	`34-402-140-000-330-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	828 sqft
Basement Area	828 sqft
Unfinished Basement	828 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	31,799 sqft (0.73 acres)
Lot Dimensions	178 ft deep x 178 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	225 WATER ST
City	BELDING
State	MI
Zip	48809-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	CITY OF BELDING LUTHER ADDN LOTS 145 & 146
Legal Subdivision	CITY OF BELDING LUTHER ADD
Legal Lot Number	145-146
Jurisdiction	IONIA MI
Township / Civil Division	BELDING
Census Block Group	3
Census Block	3003
Census Tract	30300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	225 WATER ST, BELDING, MI 48809-1443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2005	Deed of Trust, Mortgage LONG BEACH MORTGAGE CO
Apr 3, 2007	Deed of Trust, Mortgage EVERDRY OF GREATER GRAND RAPIDS
Nov 2, 2006	Warranty Deed, Transfer · ARM ARGENT MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Aug 2, 2023 · Amount on Record
Record Updated	Oct 29, 2026

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IONIA MI
Property Address	225 WATER ST, BELDING, MI 48809-1443
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0586/06095
Date	Jan 27, 2005
Book Page	586/06095

Lender

Name	LONG BEACH MORTGAGE CO
Type	Subprime Lender
Address	ANAHEIM, CA 92806

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2035

Interest

Rate Type	Fixed Rate
Rate	8.5%
Change Frequency	6 Months
Index	LIBOR

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IONIA MI
Property Address	225 WATER ST, BELDING, MI 48809-1443
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0602/02506
Date	Apr 3, 2007
Book Page	602/02506

Lender

Name	EVERDRY OF GREATER GRAND RAPIDS
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 22, 2017

November 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IONIA MI
Recording Date	Nov 2, 2006
Property Address	225 WATER ST, BELDING, MI 48809-1443
Document Number	0599/07091
Book / Page	599 / 07091
Map Reference	LB1 PG58
Instrument Date	Oct 31, 2006
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$868.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 S SHORE DR, HOLLAND, MI 49423-4509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 OVERLOOK TER SE, KENTWOOD, MI 49512-5619
Investor	Possibly a Property Investor

Mortgage

Document Number	0059907093
Date	Nov 2, 2006
Instrument	599/07093

Lender

Name	ARGENT MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	8.5%
Max Rate At Change	10.5%
Index	6-Month LIBOR
Margin	6
Max Rate	14.5%

Tax Assessment & Valuation

Source: Ionia County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ionia County
Municipality	Belding City
Unified School District	Belding Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$80,400 (+13.24%) Land $29,600 Building $50,800	$160,800 (+13.24%) Land $59,200 Building $101,600
2025	$3,131.00 Homeowner's exemption	$71,000 (+33.71%) Land $24,400 Building $46,600	$142,000 (+33.71%) Land $48,800 Building $93,200
2023		$53,100 Land $15,700 Building $37,400	$106,200 Land $31,400 Building $74,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1981)
Most Recent Claim	Sep 1981 · rainfall accumulation

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	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	BELDING serves 5,769 people · EPA ID MI0000560
Water Source	Groundwater
Last State Inspection	Aug 2021
Lead	2 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	4 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Point Broadband Fixed Wireless · Fiber in parts of the area	200 / 50
T-Mobile Fixed Wireless	100 / 20

225 Water St, Belding, MI 48809 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2007: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2006: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Water St

Nearby Streets

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