280 River Rd, Sparta, MI 49345 Property Records

Kent County property record for 280 River Rd, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,262 sqft · built 1986
Lot Size	1.18 acres (51,401 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,725 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-401-016`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-401-016`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,262 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Lot Area	51,401 sqft (1.18 acres)
Lot Dimensions	183 ft deep x 260 ft wide
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	280 RIVER RD
City	SPARTA
State	MI
Zip	49345-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR1
Legal Description	W 183 FT OF S 1/2 NW 1/4 SE 1/4 EX S 376 FT * SEC 14 T9N R12W 1.18 A.
Legal Range	12W
Legal Township	09N
Legal Section	14
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2011
Census Tract	10401

Owner

Source: Kent County records, as of October 9, 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	280 RIVER RD, SPARTA, MI 49345-1102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Quit Claim Deed, Transfer · Line of Credit CHOICEONE BANK
Sep 25, 2026	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 21, 2026
Transfer Doc	0000065928
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Sep 29, 2026
Property Address	280 RIVER RD, SPARTA, MI 49345-1102
Document Number	0000065928
Instrument Date	Sep 21, 2026
Instrument	2026092965928
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 RIVER RD, SPARTA, MI 49345-1102

Mortgage

Document Number	0000065274,
Date	Sep 29, 2026
Instrument	2026092565274

Lender

Name	CHOICEONE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 21, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Recording Date	Sep 25, 2026
Property Address	280 RIVER RD, SPARTA, MI 49345-1102
Document Number	0000065274
Instrument Date	Sep 21, 2026
Instrument	202692565274
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 RIVER RD, SPARTA, MI 49345-1102

Mortgage

Document Number	0000065274,
Date	Sep 25, 2026
Instrument	202692565274

Lender

Name	CHOICEONE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 21, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$151,500 (+4.77%)	$303,000 (+4.77%)
2025	$2,725.00 (+18.58%) Homeowner's exemption	$144,600 (+15.04%)	$289,200 (+15.04%)
2023		$125,700	$251,400
2019	$2,298.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 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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