285 Cedar St, Cedar Springs, MI 49319 Property Records

Kent County property record for 285 Cedar St, Cedar Springs, MI 49319

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,338 sqft · built 1953
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$118,000 (Feb 2018)
Tax Bill	$3,386 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-02-36-203-004`

Property Details

APN / Parcel Number

Primary APN	`41-02-36-203-004`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,338 sqft Living Area
1st Floor Area	1,338 sqft
Basement Area	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	285 CEDAR ST
City	CEDAR SPRINGS
State	MI
Zip	49319-9491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	S 1/2 OF LOTS 5 & 6 BLK 74 * VILLAGE OF CEDAR SPRINGS
Legal Subdivision	VILLAGE OF CEDAR SPRINGS
Legal Block	74
Legal Lot Number	5-6
Jurisdiction	KENT MI
Township / Civil Division	CEDAR SPRINGS
Census Block Group	1
Census Block	1023
Census Tract	10200

Owner

285 Cedar St is owned and occupied by two individuals who bought it in February 2018.

Source: Kent County records, as of September 18, 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	2 Individual Names on File
Mailing Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 4, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jan 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Feb 8, 2018	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2018 · Amount on File
Deed Sale	Feb 8, 2018 · Amount on File
Deed Document Number	201810258
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491

Mortgage

Document Number	0000062790
Date	Nov 1, 2023
Instrument	20231101-0062790

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	291 Months
Due	Feb 1, 2048

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491
Transaction Type	Mortgage
Record Updated	May 8, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491

Mortgage

Document Number	0000016848
Date	Apr 4, 2023
Instrument	20230404-0016848

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Feb 1, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491
Transaction Type	Mortgage
Record Updated	Feb 7, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491

Mortgage

Document Number	0000001559
Date	Jan 6, 2022
Instrument	20220106-0001559

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Feb 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Feb 8, 2018
Property Address	285 CEDAR ST, CEDAR SPRINGS, MI 49319-9491
Document Number	0000010258
Instrument Date	Jan 30, 2018
Instrument	20180208-0010258
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	ATA NATIONAL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,014.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 CEDAR ST, 285, CEDAR SPRINGS, MI 49319-9491

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 E ASH CADAR, CEDAR SPRINGS, MI 49319

Mortgage

Document Number	0000010259
Date	Feb 8, 2018
Instrument	20180208-0010259

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 285 Cedar St was $3,386.

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Cedar Springs City
Unified School District	Cedar Springs Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$135,900 (+11.03%)	$271,800 (+11.03%)
2025	$3,386.00 Homeowner's exemption	$122,400	$244,800
2023		$98,200	$196,400
2019	$2,770.00

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

Flood

FEMA maps place 285 Cedar St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 285 Cedar St is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CEDAR SPRINGS serves 3,520 people · EPA ID MI0001260
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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