Kent County property record for 28 E Gardner St, Sparta, MI 49345 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 716 sqft · built 1940 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $95,000 (Apr 2020) |
| Tax Bill | $1,812 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-05-23-151-006 |
| Primary APN | 41-05-23-151-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 716 sqft Living Area |
| 1st Floor Area | 584 sqft |
| Basement Area | 528 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 7,928 sqft (0.182 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 28 E GARDNER ST |
|---|---|
| City | SPARTA |
| State | MI |
| Zip | 49345-1518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 50 * JOHNSON & AVERILL'S ADD |
| Legal Subdivision | JOHNSON & AVERILLS ADD |
| Legal Lot Number | 50 |
| Jurisdiction | KENT MI |
| Township / Civil Division | SPARTA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 10402 |
Source: Kent County records · APN 41-05-23-151-006
Assessment roll updated June 13, 2025 · Last verified July 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 | 28 W GARDNER ST, SPARTA, MI 49345-1211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MTG |
| Apr 08, 2020 | Warranty Deed, Transfer MICHIGAN STATE HOUSING DEV AUTHORIT |
| Jun 06, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 08, 2020 · Amount on Record |
| Deed Sale | Apr 08, 2020 · Amount on Record |
| Prior Sale | Jun 06, 2017 · Amount on Record |
| Deed Document Number | 202030429 |
| Prior Transfer Date | Nov 17, 2003 |
| Prior Transfer Doc | 0000234820 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 28 E GARDNER ST, SPARTA, MI 49345-1518 |
| Document Number | 0000019606 |
| Instrument Date | Feb 17, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | TRANSNATION TITLE AGENCY/MI, TRANSNATION TITLE AGCY/MI |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28 E GARDNER ST SPARTA MI 493451518, SPARTA, MI 49345-1518 |
| Document Number | 0000019606 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 19606 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 16, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENT MI |
| Recording Date | Apr 08, 2020 |
| Property Address | 28 E GARDNER ST, SPARTA, MI 49345-1518 |
| Document Number | 0000030429 |
| Map Reference | LB 20 PG 12 |
| Instrument Date | Mar 24, 2020 |
| Instrument | 20200408-0030429 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $817.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 E GARDNER ST, 28, SPARTA, MI 49345-1518 |
| Name | Verified Name |
|---|---|
| Address | 1685 S GREENFIELD CIR NE APT 202, 202, GRAND RAPIDS, MI 49505-5664 |
| Document Number | 0000030431 |
|---|---|
| Date | Apr 08, 2020 |
| Instrument | 20200408-0030431 |
| Name | MICHIGAN STATE HOUSING DEV AUTHORIT |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|
| Document Number | 0000030430 |
|---|---|
| Date | Apr 08, 2020 |
| Instrument | 20200408-0030430 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENT MI |
| Recording Date | Jun 06, 2017 |
| Property Address | 28 E GARDNER ST, SPARTA, MI 49345-1518 |
| Document Number | 0000047560 |
| Map Reference | LB20 PG12 |
| Instrument Date | May 30, 2017 |
| Instrument | 20170606-0047560 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $649.30 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 E GARDNER ST, 28, SPARTA, MI 49345-1518 |
| Name | Verified Name |
|---|---|
| Address | 3716 RICHMOND ST NW, GRAND RAPIDS, MI 49534-1213 |
| Document Number | 0000047561 |
|---|---|
| Date | Jun 06, 2017 |
| Instrument | 20170606-0047561 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2047 |
Source: Kent County records · Assessment roll updated June 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kent County |
| County Subdivision | Sparta Township |
| Municipality | Sparta Village |
| Unified School District | Sparta Area Schools (KG - 12) |
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 |
|---|---|---|---|
| 2025 | $1,812.00 (+59.65%) Homeowner's exemption | $65,600 (+21.03%) | $131,200 (+21.03%) |
| 2023 | $54,200 | $108,400 | |
| 2019 | $1,135.00 |
Source: FEMA National Flood Hazard Layer, Kent County (26081C), updated January 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260810104023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1988) |
| Most Recent Claim | Feb 1988, other causes |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 424 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Surf Air Wireless | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Mercury Broadband, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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