Kent County property record for 315 Chatham St, Lowell, MI 49331
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,345 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,000 (Jul 2014) |
| Tax Bill | $3,564 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 41-20-02-338-002 |
| Primary APN | 41-20-02-338-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,345 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 315 CHATHAM ST |
|---|---|
| City | LOWELL |
| State | MI |
| Zip | 49331-1380 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 26 EX S 11 FT BLK 5 * RICHARDS & WICKHAM'S PLAT |
| Legal Subdivision | RICHARDS & WICKHAM'S PLAT |
| Legal Block | 5 |
| Legal Lot Number | 26 |
| Jurisdiction | KENT MI |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 12004 |
315 Chatham St is owned by an individual who bought it in July 2014.
Source: Kent County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1605 BRIDGE ST NW, GRAND RAPIDS, MI 49504-4916 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2014 · Amount on File |
| Deed Sale | Jul 9, 2014 · Amount on File |
| Prior Sale | Nov 6, 2012 · Amount on File |
| Deed Document Number | 201453327 |
| Prior Transfer Date | Oct 31, 2012 |
| Prior Transfer Doc | 0000102634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 315 CHATHAM ST, LOWELL, MI 49331-1380 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000089777 |
|---|---|
| Date | Nov 14, 2018 |
| Instrument | 20181114-0089777 |
| Name | HASTINGS CITY BANK |
|---|---|
| Type | Bank |
| Address | MIDDLEVILLE, MI 49333 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | 2 Years |
The 2025 property tax bill for 315 Chatham St was $3,564.
Source: Kent County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kent County |
| Municipality | Lowell City |
| Unified School District | Lowell Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $111,000 (-9.09%) | $222,000 (-9.09%) | |
| 2025 | $3,564.00 | $122,100 | $244,200 |
| 2023 | $97,200 | $194,400 | |
| 2019 | $2,982.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Chatham St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 individual policies |
| Nearby Flood Policies | 21 units insured incl. 7 condo units |
| Nearby Flood Claims | 21 (1986–2018) |
| Most Recent Claim | Feb 2018 · rainfall accumulation |
| Claims by Event |
|
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.
Wildfire risk around 315 Chatham St is low, with less than 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 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | LOWELL serves 4,150 people · EPA ID MI0003950 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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 305 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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