249 River Rd, Sparta, MI 49345 Property Records

Kent County property record for 249 River Rd, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 987 sqft · built 1940
Lot Size	0.159 acres (6,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,310 (Jul 2023)
Tax Bill	$2,605 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-330-018`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-330-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	987 sqft Living Area
1st Floor Area	856 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	6,926 sqft (0.159 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	249 RIVER RD
City	SPARTA
State	MI
Zip	49345-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	N 60 FT OF LOT 1 * ISRAEL SMITHS 2ND ADD
Legal Subdivision	ISRAEL SMITHS 2ND ADD
Legal Lot Number	1
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	1
Census Block	1006
Census Tract	10402

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	249 RIVER RD, SPARTA, MI 49345-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Apr 26, 2023	Warranty Deed, Transfer CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC
Jun 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage CHOICEONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Prior Sale	Apr 26, 2023 · Amount on Record
Deed Document Number	202340372
Prior Transfer Date	Oct 16, 2002
Prior Transfer Doc	0063650854
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jul 19, 2023
Property Address	249 RIVER RD, SPARTA, MI 49345-1101
Document Number	0000040372
Map Reference	LB 6 PG 24
Instrument Date	Jul 13, 2023
Instrument	20230719-0040372
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,368.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	249 RIVER RD, SPARTA, MI 49345-1101

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	249 RIVER RD, SPARTA, MI 49345-1101

Mortgage

Document Number	0000040373
Date	Jul 19, 2023
Instrument	20230719-0040373

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Apr 26, 2023
Property Address	249 RIVER RD, SPARTA, MI 49345-1101
Document Number	0000022359
Map Reference	LB 6 PG 24
Instrument Date	Apr 24, 2023
Instrument	20230426-0022359
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Tax	$727.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14400 AFTON AVE, KENT CITY, MI 49330-9726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 RIVER RD, SPARTA, MI 49345-1101

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	249 RIVER RD, SPARTA, MI 49345-1101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044681
Date	Jun 12, 2018
Instrument	20180612-0044681

Lender

Name	CHOICEONE BANK
Type	Bank
Address	SPARTA, MI 49345

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$97,800 (+4.94%)	$195,600 (+4.94%)
2025	$2,605.00 (-10.7%) Homeowner's exemption	$93,200 (+35.07%)	$186,400 (+35.07%)
2024	$2,917.00 (+258.79%)
2023		$69,000	$138,000
2019	$813.00

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

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1994–2013)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Apr 2013 · Flooding

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
Adjoins Burnable Land	Yes

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 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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