Montcalm County property record for 320 Cedar, Howard City, MI 49329
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.282 acres (12,293 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Mar 2017) |
| Tax Bill | $1,003 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Mar 2017 Sale |
| APN | 047-230-015-00 |
| Primary APN | 047-230-015-00 |
|---|
| Lot Area | 12,293 sqft (0.282 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 83 ft wide |
| Street Address | 320 CEDAR |
|---|---|
| City | HOWARD CITY |
| State | MI |
| Zip | 49329-9773 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | LOT 15 & S 33 FT OF LOT 16 BLK 30 FIRST ADDITION TO VILLAGE OF HOWARD CITY. |
| Legal Subdivision | FIRST ADDITION |
| Legal Block | 30 |
| Legal Lot Number | 15-16 |
| Jurisdiction | MONTCALM MI |
| Township / Civil Division | REYNOLDS |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 970501 |
320 Cedar is owned and occupied by an individual who bought it in March 2017.
Source: Montcalm County records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 CEDAR, HOWARD CITY, MI 49329-9773 |
| 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.
| Date | Document |
|---|---|
| Mar 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| Mar 9, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 9, 2017 · Amount on File |
| Deed Sale | Mar 9, 2017 · Amount on File |
| Prior Sale | Mar 3, 2008 · Amount on File |
| Deed Book / Page | 2017 / 3126 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTCALM MI |
| Property Address | 320 CEDAR, HOWARD CITY, MI 49329-9773 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017R03127 |
|---|---|
| Date | Mar 9, 2017 |
| Instrument | 2017R-03127 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTCALM MI |
| Recording Date | Mar 9, 2017 |
| Property Address | 320 CEDAR, HOWARD CITY, MI 49329-9773 |
| Document Number | 2017/3126 |
| Book / Page | 2017 / 3126 |
| Instrument Date | Mar 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $559.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21150 DEWEY RD, 21150, HOWARD CITY, MI 49329-9780 |
| Name | Verified Name |
|---|---|
| Address | 5465 MARGARET AVE, NEWAYGO, MI 49337-9589 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 320 Cedar was $1,003, up 3.2% from the year before.
Source: Montcalm County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Montcalm County |
| County Subdivision | Reynolds Township |
| Municipality | Howard City Village |
| Unified School District | Tri County Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $76,500 (+1.59%) | $153,000 (+1.59%) | |
| 2025 | $1,003.00 (+3.19%) | $75,300 | $150,600 |
| 2024 | $972.00 | ||
| 2023 | $59,100 | $59,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 320 Cedar.
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 risk around 320 Cedar 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 | 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 | HOWARD CITY serves 1,800 people · EPA ID MI0003240 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2022–2024) 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 130 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Point Broadband Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CMS Internet.
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