312 Finley Ave, Big Rapids, MI 49307 Property Records

Mecosta County property record for 312 Finley Ave, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1993
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Feb 2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage May 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-10-476-003`

Property Details

APN / Parcel Number

Primary APN	`17-10-476-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,080 sqft Total Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,492 sqft (0.171 acres)
Porch	Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	312 FINLEY AVE
City	BIG RAPIDS
State	MI
Zip	49307-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	000312 FINLEY AVENUE: WARREN AND BRONSON'S SUBDIVISION OF SE OF SE OF SEC 10 - BLK 10, LOT 4
Legal Subdivision	WARREN AND BRONSON'S SUBDIVISION
Legal Block	10
Legal Lot Number	4
Jurisdiction	MECOSTA MI
Township / Civil Division	BIG RAPIDS
Census Block Group	4
Census Block	4002
Census Tract	960600

Owner

312 Finley Ave is owned by an individual who bought it in February 2024.

Source: Mecosta County records, as of February 20, 2024

Owner of Record	Individual Name on File
Mailing Address	4981 S SADDLER RD, CHASE, MI 49623-9791
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INC
May 13, 2022	Warranty Deed, Transfer ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC
Feb 16, 2022	Deed of Trust, Mortgage · Construction Mortgage MICHAEL R HOLCOMB
Feb 4, 2022	Warranty Deed, Transfer DEVON TITLE COMPANY, DEVON TITLE AGENCY
Jan 21, 2022	Warranty Deed, Transfer
Aug 25, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2024 · Amount on File
Deed Sale	Feb 7, 2024 · Amount on File
Prior Sale	May 13, 2022 · Amount on File
Deed Document Number	202400000771
Deed Book / Page	928 / 313
Record Updated	Jun 7, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Feb 7, 2024
Property Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Document Number	000928/313
Book / Page	928 / 313
Map Reference	LB 1 PG 18
Instrument Date	Dec 1, 2023
Instrument	202400000771
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	VERIFIED TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,402.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4350 MAPLE RUN SE, LOWELL, MI 49331-9041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 S SADDLER RD, CHASE, MI 49623-9791

Mortgage

Document Number	202400000772
Date	Feb 7, 2024
Instrument	202400000772

Lender

Name	MORTGAGE 1 INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2054

Mortgage

Document Number	000928/329
Date	Feb 7, 2024
Book Page	928/329
Instrument	202400000773

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	May 13, 2022
Property Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Document Number	00918/4782
Book / Page	918 / 4782
Map Reference	LB 1 PG 18
Instrument Date	May 11, 2022
Instrument	202200004190
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$1,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	968 LINCOLN AVE NW, 968, GRAND RAPIDS, MI 49504-4048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Investor	Possibly a Property Investor

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 LINCOIN AVE NW, GRAND RAPIDS, MI 49504-4048

Mortgage

Document Number	000917/542
Date	Feb 16, 2022
Book Page	917/542
Instrument	202200001164

Lender

Name	MICHAEL R HOLCOMB
Type	Private Party
Address	1652 BEAVER RD, BITELY, MI 49309

Agreement

Type	Construction Mortgage

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Feb 4, 2022
Property Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Document Number	00916/5239
Book / Page	916 / 5239
Map Reference	LB 01 PG 18
Instrument Date	Jan 26, 2022
Instrument	202200000852
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 HARAS CT SW, 56, GRAND RAPIDS, MI 49548-7971

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 LINCOLN AVE NW, GRAND RAPIDS, MI 49504-4048

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Jan 21, 2022
Property Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Document Number	00916/4105
Book / Page	916 / 4105
Map Reference	LB 1 PG 18
Instrument Date	Jan 21, 2022
Instrument	202200000533
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Amount	Amount on Record
Tax	$217.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1038, BIG RAPIDS, MI 49307-0938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECOSTA MI
Recording Date	Aug 25, 2020
Property Address	312 FINLEY AVE, BIG RAPIDS, MI 49307-1324
Document Number	905/2474
Book / Page	905 / 2474
Instrument Date	Aug 11, 2020
Instrument	202000006176
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	312 FINLEY AVE, 312, BIG RAPIDS, MI 49307-1324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 HARAS CT SW, GRAND RAPIDS, MI 49548-7971

Tax Assessment & Valuation

Source: Mecosta County assessment roll, as of March 1, 2023

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Big Rapids City
County	Mecosta County
Unified School District	Big Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$48,300	$96,600

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

FEMA maps place 312 Finley Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2015

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 312 Finley Ave 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BIG RAPIDS serves 10,403 people · EPA ID MI0000710
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2023
Monitoring and Reporting	1 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 338 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
Point Broadband Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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