Kent County property record for 3160 Cottage Ct, Cedar Springs, MI 49319
| Property Type | Condominium |
|---|---|
| Details | 2.5 ba · 1,834 sqft · built 2002 |
| Lot Size | 1.18 acres (51,619 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $512,000 (Oct 2026) |
| Tax Bill | $4,050 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-06-10-227-013 |
| Primary APN | 41-06-10-227-013 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,834 sqft Living Area |
| Basement Area | 900 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Condo/Apartment |
| Lot Area | 51,619 sqft (1.18 acres) |
| Lot Dimensions | 278 ft deep x 193 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Deck Area | 1,760 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3160 COTTAGE CT |
|---|---|
| City | CEDAR SPRINGS |
| State | MI |
| Zip | 49319-8262 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RA |
| Legal Description | UNIT NO.13 * IVYWOOD ORCHARDS KENT COUNTY CONDOMINIUM SUBDIVISION PLAN NO.456 LIBER 4604 PAGE 273 |
| Legal Subdivision | IVYWOOD ORCHARDS KENT COUNTY CONDOMINIUM |
| Legal Unit | 13 |
| Jurisdiction | KENT MI |
| Township / Civil Division | ALGOMA |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 10601 |
3160 Cottage Ct, a condominium, is owned and occupied by two individuals who bought it in October 2026.
Source: Kent County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3160 COTTAGE CT, CEDAR SPRINGS, MI 49319-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION |
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHOICEONE BANK |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2026 · Amount on File |
| Deed Sale | Oct 12, 2026 · Amount on File |
| Prior Sale | Oct 23, 2002 · Amount on File |
| Deed Document Number | 202668775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENT MI |
| Recording Date | Oct 12, 2026 |
| Property Address | 3160 COTTAGE CT, CEDAR SPRINGS, MI 49319-8262 |
| Document Number | 0000068775 |
| Instrument Date | Oct 12, 2026 |
| Instrument | 2026101268775 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $387,840.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3160 COTTAGE CT, CEDAR SPRINGS, MI 49319-8262 |
| Document Number | 0000068776, |
|---|---|
| Date | Oct 12, 2026 |
| Instrument | 2026101268776 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Number | 0000068574, |
|---|---|
| Date | Oct 12, 2026 |
| Instrument | 2026101268574 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 3160 COTTAGE CT, CEDAR SPRINGS, MI 49319-8262 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | AMERICA TITLE, AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3160 COTTAGE CT, CEDAR SPRINGS, MI 49319-8262 |
| Document Number | 0000104342 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 20210922-0104342 |
| Name | CHOICEONE BANK |
|---|---|
| Type | Bank |
| Address | SPARTA, MI 49345 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 3160 COTTAGE CT, CEDAR SPRINGS, MI 49319-8262 |
| Document Number | 0000071429 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3160 COTTAGE CT CEDAR SPRINGS MI 493198262, CEDAR SPRINGS, MI 49319-8262 |
| Document Number | 0000071429 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 71429 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 18, 2034 |
The 2025 property tax bill for 3160 Cottage Ct was $4,050.
Source: Kent County assessment roll, as of September 18, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kent County |
| County Subdivision | Algoma Township |
| Unified School District | Cedar Springs Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,800 (+7.05%) | $443,600 (+7.05%) | |
| 2025 | $4,050.00 Homeowner's exemption | $207,200 | $414,400 |
| 2023 | $187,200 | $374,400 | |
| 2021 | $3,511.00 |
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.
FEMA maps place 3160 Cottage Ct in Zone X, an area of minimal flood risk.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 3160 Cottage Ct 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 | 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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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