3194 S Derby Rd, Sidney, MI 48885 Property Records

Montcalm County property record for 3194 S Derby Rd, Sidney, MI 48885

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,366 sqft
Lot Size	0.233 acres (10,149 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Nov 2023)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Aug 2021 Refinance Nov 2023 Sale & Mortgage + 2 more
APN	`019-021-008-00`

Property Details

APN / Parcel Number

Primary APN	`019-021-008-00`

Interior

Full Baths	1 Bath
Building Area	1,366 sqft Building Perimeter
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Architectural Style	Ranch
Lot Area	10,149 sqft (0.233 acres)
Lot Dimensions	165 ft deep x 66 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3194 S DERBY RD
City	SIDNEY
State	MI
Zip	48885-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O258 COM 60 R S OF NE COR OF SEC 21, THENCE W 10 R, S 4 R, E 10 R, N 4 R TO P OF B SEC 21 T10N R7W.
Legal Range	07W
Legal Township	10N
Legal Section	21
Jurisdiction	MONTCALM MI
Township / Civil Division	SIDNEY
Census Block Group	1
Census Block	1003
Census Tract	971100

Owner

3194 S Derby Rd is owned and occupied by an individual who bought it in November 2023.

Source: Montcalm County records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	3194 S DERBY RD, SIDNEY, MI 48885-9732
Occupancy	Owner Occupied
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
Aug 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CHOICEONE BANK
Nov 13, 2023	Warranty Deed, Transfer · Second Mortgage (Down Payment) MICHIGAN STATE HOUSING DEV AUTHORIT
Oct 16, 2018	Warranty Deed, Transfer TEAM ONE CREDIT UNION
May 25, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Aug 16, 2021 · Amount on File
Deed Document Number	202310865
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	3194 S DERBY RD, SIDNEY, MI 48885-9732
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R11720
Date	Aug 16, 2021
Instrument	2021R-11720

Lender

Name	CHOICEONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Nov 13, 2023
Property Address	3194 S DERBY RD, SIDNEY, MI 48885-9732
Document Number	2023R10865
Instrument Date	Nov 9, 2023
Instrument	2023R-10865
Transaction Type	Transfer
Record Updated	Dec 5, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3194 S DERBY RD, SIDNEY, MI 48885-9732

Mortgage

Document Number	2023R10867
Date	Nov 13, 2023
Instrument	2023R-10867

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORIT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Mortgage

Document Number	2023R10866
Date	Nov 13, 2023
Instrument	2023R-10866

Lender

Name	MORTGAGE 1 INCORPORATED
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Oct 16, 2018
Property Address	3194 S DERBY RD, SIDNEY, MI 48885-9732
Document Number	2018R11205
Instrument Date	Oct 9, 2018
Instrument	2018R-11205
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3194 S DERBY RD, SIDNEY, MI 48885-9732

Mortgage

Document Number	2018R11206
Date	Oct 16, 2018
Instrument	2018R-11206

Lender

Name	TEAM ONE CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	171 Months
Due	Jan 1, 2033

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTCALM MI
Recording Date	May 25, 2017
Property Address	3194 S DERBY RD, SIDNEY, MI 48885-9732
Document Number	2017/5995
Book / Page	2017 / 5995
Instrument Date	May 22, 2017
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10297 LELAND DR, 10297, GREENVILLE, MI 48838-7103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 PARIS AVE, LANSING, MI 48910-3443

Tax Assessment & Valuation

The 2025 property tax bill for 3194 S Derby Rd was $1,696, up 3.5% from the year before.

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Sidney Township
Unified School District	Central Montcalm Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,700 (+5.91%)	$143,400 (+5.91%)
2025	$1,696.00 (+3.48%)	$67,700	$135,400
2024	$1,639.00
2023		$57,200	$57,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 3194 S Derby Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Wildfire risk around 3194 S Derby Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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
CMS Internet Fiber	1,000 / 1,000

May also be available: Point Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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