2866 E Polk Rd, Hart, MI 49420 Property Records

Oceana County property record for 2866 E Polk Rd, Hart, MI 49420

Property Summary

Property Type	Rural Home
Lot Size	25 acres (1,089,000 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jan 2018)
Tax Bill	$1,057 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`008-015-400-05`

Property Details

APN / Parcel Number

Primary APN	`008-015-400-05`

Exterior

Lot Area	1,089,000 sqft (25 acres)

Location & Zoning

Street Address	2866 E POLK RD
City	HART
State	MI
Zip	49420-8818
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SEC 15 T15N R16W -25 A M/L- W 825 FT OF S 1/2 OF S E1/4 QC-2017/19618 WD-2018/430 SPLIT/COMBINED ON 12/06/2016 FROM 008-015-4
Legal Range	16W
Legal Township	15N
Legal Section	15
Jurisdiction	OCEANA MI
Township / Civil Division	ELBRIDGE
Census Block Group	2
Census Block	2077
Census Tract	10500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2866 E POLK RD, HART, MI 49420-8818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage DENISE PAGURA
Jan 8, 2018	Warranty Deed, Transfer · USDA Mortgage UNITED STATES DEPARTMENT OF AGRICUL
Oct 10, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Deed Document Number	2018150
Deed Book / Page	2018 / 430
Prior Transfer Date	Sep 29, 2017
Prior Transfer Doc	2017/019618
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	2866 E POLK RD, HART, MI 49420-8818
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2866 E POLK RD, HART, MI 49420-8818

Mortgage

Document Number	2025/22282
Date	Nov 4, 2025
Book Page	2025/22282
Instrument	202500005755

Lender

Name	DENISE PAGURA
Type	Private Party
Address	PO BOX 152, HART, MI 49420

Agreement

Amount	Amount Recorded

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Jan 8, 2018
Property Address	2866 E POLK RD, HART, MI 49420-8818
Document Number	2018/000430
Book / Page	2018 / 000430
Instrument Date	Dec 29, 2017
Instrument	201800000150
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1663 N 136TH AVE, HART, MI 49420-8811

Mortgage

Document Number	201800000152
Date	Jan 8, 2018
Instrument	201800000152

Lender

Name	UNITED STATES DEPARTMENT OF AGRICUL
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2047

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Oct 10, 2017
Property Address	2866 E POLK RD, HART, MI 49420-8818
Document Number	2017/019618
Book / Page	2017 / 019618
Instrument Date	Sep 29, 2017
Instrument	201700005949
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2747 N 144TH AVE, HART, MI 49420-8271

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Elbridge Township
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,900 (+9.68%) Land $46,300 Building $12,600	$117,800 (+9.68%) Land $92,600 Building $25,200
2025	$1,057.00 (-2.67%) Homeowner's exemption	$53,700 (+22.6%) Land $53,700	$107,400 (+22.6%) Land $107,400
2024	$1,086.00 (+78.91%)
2023		$43,800 Land $43,800	$87,600 (-) Land $87,600
2022	$607.00		$87,600

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	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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