Kalkaska County property record for 306 Spruce St, Kalkaska, MI 49646
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.725 acres (31,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $74,000 (Aug 2018) |
| Tax Bill | $1,625 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2021 Sale + 1 more |
| APN | 041-735-017-00 |
| Primary APN | 041-735-017-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,484 sqft Living Area |
| 1st Floor Area | 1,484 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Lot Area | 31,583 sqft (0.725 acres) |
| Garage Area | 784 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 306 SPRUCE ST |
|---|---|
| City | KALKASKA |
| State | MI |
| Zip | 49646-9679 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 17-18-19 BLK Q VILL OF KALKASKA SEC 16 T27N-R7W |
| Legal Range | 07W |
| Legal Township | 27N |
| Legal Section | 16 |
| Legal Subdivision | VILL OF KALKASKA |
| Legal Block | Q |
| Legal Lot Number | 17-19 |
| Jurisdiction | KALKASKA MI |
| Township / Civil Division | KALKASKA |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 950300 |
Source: Kalkaska County records, as of October 20, 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 | 306 SPRUCE ST, KALKASKA, MI 49646-9679 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage MEMBER FIRST MORTGAGE |
| Nov 3, 2021 | Warranty Deed, Transfer |
| Aug 8, 2018 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on Record |
| Deed Sale | Aug 8, 2018 · Amount on Record |
| Prior Sale | Jun 19, 2008 · Amount on Record |
| Deed Document Number | 20183141590 |
| Prior Transfer Date | Sep 26, 2013 |
| Prior Transfer Doc | 3116772 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KALKASKA MI |
| Property Address | 306 SPRUCE ST, KALKASKA, MI 49646-9679 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0003159837 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 3159837 |
| Name | MEMBER FIRST MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KALKASKA MI |
| Recording Date | Nov 3, 2021 |
| Property Address | 306 SPRUCE ST, KALKASKA, MI 49646-9679 |
| Document Number | 3159841 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 3159841 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1489 KETTLE LAKE RD NE, KALKASKA, MI 49646-9122 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KALKASKA MI |
| Recording Date | Aug 8, 2018 |
| Property Address | 306 SPRUCE ST, KALKASKA, MI 49646-9679 |
| Document Number | 000003141590 |
| Instrument Date | Aug 6, 2018 |
| Instrument | 000003141590 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 306 SPRUCE ST, KALKASKA, MI 49646-9679 |
| Document Number | 000003141591 |
|---|---|
| Date | Aug 8, 2018 |
| Instrument | 000003141591 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jan 1, 2048 |
Source: Kalkaska County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kalkaska County |
| County Subdivision | Kalkaska Township |
| Municipality | Kalkaska Village |
| Unified School District | Kalkaska Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $97,400 (+6.92%) | $194,800 (+6.92%) | |
| 2025 | $1,625.00 (+0.93%) Homeowner's exemption | $91,100 | $182,200 |
| 2024 | $1,610.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF KALKASKA serves 2,020 people · EPA ID MI0003560 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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