265 Harper Dr, Sparta, MI 49345 Property Records

Kent County property record for 265 Harper Dr, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 1949
Lot Size	0.552 acres (24,045 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (Jan 2018)
Tax Bill	$3,147 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-15-476-007`

Property Details

APN / Parcel Number

Primary APN	`41-05-15-476-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,620 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	24,045 sqft (0.552 acres)
Lot Dimensions	167 ft deep x 143 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	265 HARPER DR
City	SPARTA
State	MI
Zip	49345-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOTS 32 33 & 34 * HARPER NEWHOF ADD
Legal Subdivision	HARPER NEWHOF ADD
Legal Lot Number	32-34
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	1
Census Block	1018
Census Tract	10402

Owner

265 Harper Dr is owned and occupied by an individual who bought it in January 2018.

Source: Kent County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	265 HARPER DR, SPARTA, MI 49345-1015
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 8, 2026	Deed of Trust, Mortgage · Construction Mortgage LOAN FUNDER LLC
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jan 11, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2018 · Amount on File
Deed Sale	Jan 11, 2018 · Amount on File
Prior Sale	May 5, 2016 · Amount on File
Deed Document Number	20183258
Prior Transfer Date	Apr 4, 2016
Prior Transfer Doc	0000032724
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Recording Date	Jul 8, 2026
Property Address	265 HARPER DR, SPARTA, MI 49345-1015
Document Number	0000044996
Instrument Date	Jun 24, 2026
Instrument	202644996
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1001 COACH LIGHT DR SE, BYRON CENTER, MI 49315-8791

Mortgage

Document Number	0000044996,
Date	Jul 8, 2026
Instrument	202644996

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 24, 2027

Interest

Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	265 HARPER DR, SPARTA, MI 49345-1015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077897
Date	Aug 27, 2020
Instrument	20200827-0077897

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jan 11, 2018
Property Address	265 HARPER DR, SPARTA, MI 49345-1015
Document Number	0000003258
Map Reference	LB38 PG22
Instrument Date	Dec 21, 2017
Instrument	20180111-0003258
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	CHICAGO TITLE OF MICHIGAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,496.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 HARPER DR, 265, SPARTA, MI 49345-1015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 HARPER DR, SPARTA, MI 49345-1015

Mortgage

Document Number	0000003259
Date	Jan 11, 2018
Instrument	20180111-0003259

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 265 Harper Dr was $3,147.

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		$157,200 (+5.65%)	$314,400 (+5.65%)
2025	$3,147.00 Homeowner's exemption	$148,800	$297,600
2023		$124,400	$248,800
2019	$2,633.00

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

Flood

FEMA maps place 265 Harper Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 265 Harper Dr is low, with less than 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 95% of the US · lower than 89% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 188 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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