2691 Ray Ave, New Era, MI 49446 Property Records

Oceana County property record for 2691 Ray Ave, New Era, MI 49446

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,422 sqft)
Owner	Individual Name on File
Last Sale	$200,500 (Aug 2025)
Tax Bill	$1,361 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043-404-004-00`

Property Details

APN / Parcel Number

Primary APN	`043-404-004-00`

Exterior

Lot Area	7,422 sqft (0.17 acres)

Location & Zoning

Street Address	2691 RAY AVE
City	NEW ERA
State	MI
Zip	49446-9642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF NEW ERA LOT 4 BLOCK 4 WD-2008/4019 DC-2019/5715 WD-2020/8187
Legal Subdivision	VILLAGE OF NEW ERA
Legal Block	4
Legal Lot Number	4
Jurisdiction	OCEANA MI
Township / Civil Division	SHELBY
Census Block Group	4
Census Block	4048
Census Tract	10300

Owner

Source: Oceana County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	8180 COOK ST, C5, MONTAGUE, MI 49437-1620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 21, 2025	Warranty Deed, Transfer · Conventional Mortgage MMS MORTGAGE SERVICES LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2025 · Amount on File
Deed Sale	Aug 21, 2025 · Amount on File
Prior Sale	Feb 26, 2008 · Amount on File
Deed Document Number	20254374
Deed Book / Page	2025 / 16172
Prior Transfer Date	Apr 24, 2020
Prior Transfer Doc	02020/8187
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	2691 RAY AVE, NEW ERA, MI 49446-9642
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/8064
Date	Apr 7, 2022
Book Page	2022/8064
Instrument	202200002421

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Aug 21, 2025
Property Address	2691 RAY AVE, NEW ERA, MI 49446-9642
Document Number	2025/16172
Book / Page	2025 / 16172
Instrument Date	Aug 19, 2025
Instrument	202500004374
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,503.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2691 RAY AVE, NEW ERA, MI 49446-9642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8180 COOK ST APT C5, C5, MONTAGUE, MI 49437-1620

Mortgage

Document Number	202500004375
Date	Aug 21, 2025
Instrument	202500004375

Lender

Name	MMS MORTGAGE SERVICES LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Shelby Township
Municipality	New Era Village
Unified School District	Shelby Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,100 (+68.28%) Land $97,100	$194,200 (+68.28%) Land $194,200
2025	$1,361.00 (+21.74%) Homeowner's exemption	$57,700 (+8.05%) Land $57,700	$115,400 (+8.05%) Land $115,400
2024	$1,118.00 (+6.48%)
2023		$53,400 Land $53,400	$106,800 (-) Land $106,800
2022	$1,050.00		$106,800

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 August 23, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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