Montcalm County property record for 309 Oak St, Crystal, MI 48818
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,516 sqft · built 1970 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,729 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 1 more |
| APN | 005-009-028-01 |
| Primary APN | 005-009-028-01 |
|---|---|
| Alternative APN |
|
| Street Address | 309 OAK ST |
|---|---|
| City | CRYSTAL |
| State | MI |
| Zip | 48818-9514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A PART OF THE W 1/2 OF THE SW 1/4 OF FRACTIONAL SEC 9, T10N, R5W DESC AS BEG ON THE E LINE OF THE W 1/2 OF THE SW 1/4 OF FRAC |
| Jurisdiction | MONTCALM MI |
| Township / Civil Division | CRYSTAL |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 970900 |
Source: Montcalm County records, as of July 7, 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 | 309 OAK ST, CRYSTAL, MI 48818-9514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 13, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage MMS MORTGAGE SERVICES LTD |
| Apr 13, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage MMS MORTGAGE SERVICES LTD |
| Nov 8, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 6, 2026 |
| Transfer Doc | 2026R04060 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTCALM MI |
| Recording Date | Apr 13, 2026 |
| Property Address | 309 OAK ST, CRYSTAL, MI 48818-9514 |
| Document Number | 2026R04060 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20264060 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | SUN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 OAK ST, CRYSTAL, MI 48818-9514 |
| Document Number | 0000004061, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 20264061 |
| Name | MMS MORTGAGE SERVICES LTD |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000004134, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 20264134 |
| Name | CREDIT UNION COMMUNITY CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTCALM MI |
| Recording Date | Apr 13, 2026 |
| Property Address | 309 OAK ST, CRYSTAL, MI 48818-9514 |
| Document Number | 0000004060 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20264060 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | SUN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 OAK ST, CRYSTAL, MI 48818-9514 |
| Document Number | 0000004061, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 20264061 |
| Name | MMS MORTGAGE SERVICES LTD |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000004134, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 20264134 |
| Name | MICHIGAN COMMUNITY CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTCALM MI |
| Recording Date | Nov 8, 2017 |
| Property Address | 309 OAK ST, CRYSTAL, MI 48818-9514 |
| Document Number | 2017/12199 |
| Book / Page | 2017 / 12199 |
| Instrument Date | Nov 8, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 208 LAKE ST, 208, CRYSTAL, MI 48818-8673 |
| Name | Verified Name |
|---|---|
| Address | 208 LAKE ST, CRYSTAL, MI 48818-8673 |
Source: Montcalm County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Montcalm County |
| County Subdivision | Crystal Township |
| Unified School District | Carson City-Crystal Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,200 (-2.86%) | $122,400 (-2.86%) | |
| 2025 | $63,000 (+13.92%) | $126,000 (+127.85%) | |
| 2024 | $1,729.00 | ||
| 2023 | $55,300 | $55,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 2 (1983) |
| Most Recent Claim | Aug 1983 · tidal / storm surge |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 91% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CMS Internet Fiber · Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Point Broadband Fixed Wireless | 100 / 20 |
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