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31 E Gardner St, Sparta, MI 49345 Property Records

Kent County property record for 31 E Gardner St, Sparta, MI 49345 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,346 sqft · built 1941
Lot Size0.217 acres (9,453 sqft)
Owner2 Individual Names on File
Last Sale$108,000 (Nov 2012)
Tax Bill$2,219 (2025)
Deeds & MortgagesJun 2023 Mortgage
Apr 2026 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN41-05-23-106-011

Property Details

APN / Parcel Number

Primary APN41-05-23-106-011

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,346 sqft Living Area
1st Floor Area912 sqft
Basement Area868 sqft

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1941
Lot Area9,453 sqft (0.217 acres)
Lot Dimensions182 ft deep x 52 ft wide
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address31 E GARDNER ST
CitySPARTA
StateMI
Zip49345-1517
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionW 53 FT OF E 115 FT OF S 58 FT OF LOT 13 ALSO COM 30 FT N & 62 FT W OF SE COR OF LOT 14 TH W 52 FT TH N TO N LINE SD LOT TH E
Legal SubdivisionPLAT TO THE
Legal Block3
Legal Lot Number13-14
JurisdictionKENT MI
Township / Civil DivisionSPARTA
Census Block Group2
Census Block2023
Census Tract10402

Owner

Source: Kent County records · APN 41-05-23-106-011

Assessment roll updated June 13, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address31 E GARDNER ST, SPARTA, MI 49345-1517
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jun 05, 2023Deed of Trust, Mortgage · Conventional Mortgage
LAKE MICHIGAN CU
Apr 24, 2026Quit Claim Deed, Transfer · Conventional Mortgage
LAKE MICHIGAN CREDIT UNION
Nov 07, 2020Loan Modification, Mortgage · FHA Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 01, 2012 · Amount on Record
Deed SaleNov 01, 2012 · Amount on Record
Prior SaleMay 29, 2003 · Amount on Record
Deed Document Number2012101106
Last Transfer DateApr 17, 2026
Transfer Doc0000026838
Record UpdatedSep 20, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENT MI
Property Address31 E GARDNER ST, SPARTA, MI 49345-1517
Transaction TypeMortgage
Record UpdatedMay 05, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 E GARDNER ST, SPARTA, MI 49345-1517

Mortgage

Document Number0000030940
DateJun 05, 2023
Instrument20230605-0030940
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49512
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueJul 01, 2033

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENT MI
Recording DateApr 24, 2026
Property Address31 E GARDNER ST, SPARTA, MI 49345-1517
Document Number0000026838
Instrument DateApr 17, 2026
Instrument202626838
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanySUN TITLE

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 E GARDNER ST, SPARTA, MI 49345-1517

Mortgage

Document Number0000026839,
DateApr 24, 2026
Instrument20262426839
Lender
NameLAKE MICHIGAN CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2041
Interest
Rate TypeFixed Rate
Rate5.5%
Initial TypeFixed Rate
Max Rate-1%

November 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKENT MI
Property Address31 E GARDNER ST, SPARTA, MI 49345-1517
Document Number0000114690
Instrument DateNov 07, 2020
Transaction TypeMortgage
Record UpdatedJan 29, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 GARDNER ST E NW SPARTA MI 49345, SPARTA, MI 49345

Mortgage

Document Number0000114690
DateDec 02, 2020
Instrument114690
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressANAHEIM, CA 92806
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term300 Months
DueDec 01, 2045
Interest
Rate3.5%

Tax Assessment & Valuation

Source: Kent County records · Assessment roll updated June 13, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateMichigan
CountyKent County
County SubdivisionSparta Township
MunicipalitySparta Village
Unified School DistrictSparta Area Schools (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,219.00 (+2.78%) Homeowner's exemption$113,800 (+19.66%)$227,600 (+19.66%)
2024$2,159.00 (+32.78%)
2023$95,100$190,200
2019$1,626.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kent County (26081C), updated January 1, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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