2635 E M 20, Hesperia, MI 49421 Property Records

Oceana County property record for 2635 E M 20, Hesperia, MI 49421

Property Summary

Property Type	Single Family Home
Lot Size	10 acres (436,036 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,264 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jan 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013-034-100-10`

Property Details

APN / Parcel Number

Primary APN	`013-034-100-10`

Exterior

Lot Area	436,036 sqft (10 acres)

Location & Zoning

Street Address	2635 E M 20
City	HESPERIA
State	MI
Zip	49421-8947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE E 545 FT OF THE N 800 FT OF THE FOLLOWING DESC PCL: PT OF THE N 1/2 OF THE NW 1/4 OF SEC 34, T14N R16W, FERRY TOWNSHIP, O
Legal Range	16W
Legal Township	14N
Legal Section	34
Jurisdiction	OCEANA MI
Township / Civil Division	FERRY
Census Block Group	3
Census Block	3150
Census Tract	10600

Owner

Source: Oceana County assessment roll, APN 013-034-100-10, as of July 17, 2025 · Last verified August 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 File
Mailing Address	2635 E M 20, HESPERIA, MI 49421-8947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jan 13, 2022	Intrafamily Transfer, Transfer · Construction Mortgage THE FEDERAL SAVINGS BANK
Jul 09, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 08, 2021
Transfer Doc	2021/18015
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	2635 E M 20, HESPERIA, MI 49421-8947
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2635 E M 20, HESPERIA, MI 49421-8947

Mortgage

Document Number	2023/12099
Date	Jul 18, 2023
Book Page	2023/12099
Instrument	202300003491

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Jan 13, 2022
Property Address	2635 E M 20, HESPERIA, MI 49421-8947
Document Number	02022/1109
Book / Page	2022 / 1109
Instrument Date	Jan 13, 2022
Instrument	202200000244
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	BCHH INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2583 E M 20, HESPERIA, MI 49421-8948

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	824 E LINCOLN ST, WHITEHALL, MI 49461-1621

Mortgage

Document Number	202200000245
Date	Jan 13, 2022
Instrument	202200000245

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 01, 2023

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Jul 09, 2021
Property Address	2635 E M 20, HESPERIA, MI 49421-8947
Document Number	2021/18015
Book / Page	2021 / 18015
Map Reference	LB 2002 PG 2222
Instrument Date	Jul 08, 2021
Instrument	202100004997
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2583 E M 20, HESPERIA, MI 49421-8948

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	824 E LINCOLN ST, WHITEHALL, MI 49461-1621

Tax Assessment & Valuation

Source: Oceana County assessment roll as of July 17, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Ferry Township
Unified School District	Shelby Public Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$188,100 (+22.38%)	$376,200 (+22.38%)
2025	$1,264.00 (-56.86%) Homeowner's exemption	$153,700 (+28.62%) Land $153,700	$307,400 (+28.62%) Land $307,400
2024	$2,930.00 (+55.19%)
2023		$119,500 Land $119,500	$239,000 (-) Land $239,000
2022	$1,888.00		$239,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oceana County (26127C), as of August 23, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261270106003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 7 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Great Lakes Energy Connections.

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