320 Division St, Big Rapids, MI 49307 Property Records

Mecosta County property record for 320 Division St, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,630 sqft · built 1890
Lot Size	0.269 acres (11,718 sqft)
Owner	Individual Name on File
Deeds & Mortgages	May 2009 Mortgage Jul 2006 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-15-231-016`

Property Details

APN / Parcel Number

Primary APN	`17-15-231-016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,630 sqft Total Area
Basement Area	1,274 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	11,718 sqft (0.269 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	500 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	320 DIVISION ST
City	BIG RAPIDS
State	MI
Zip	49307-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	000320 DIVISION STREET: ASSESSOR'S PLAT #1 -- BLK 7, LOT 10
Legal Subdivision	ASSESSOR'S PLAT
Legal Block	7
Legal Lot Number	10
Jurisdiction	MECOSTA MI
Township / Civil Division	BIG RAPIDS
Census Block Group	2
Census Block	2009
Census Tract	960600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2009	Deed of Trust, Mortgage INDEPENDENT BANK
Jul 26, 2006	Deed of Trust, Mortgage CHEMICAL BANK
Sep 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage MECOSTA COUNTY
Sep 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage MECOSTA COUNTY
Jun 8, 2007	Warranty Deed, Transfer · ARM INDEPENDENT MORTGAGE CO WEST MICHIG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 8, 2007
Deed Sale	Jun 8, 2007
Prior Sale	Jun 13, 2007
Deed Document Number	764/0875
Deed Book / Page	764 / 0875
Last Transfer Date	Dec 22, 2008
Transfer Doc	783/0281
Record Updated	Sep 20, 2026

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00788/0087
Date	May 1, 2009
Book Page	788/0087
Instrument	200900003922

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	BIG RAPIDS, MI 49307

Agreement

Amount	Amount Recorded
Term	84 Months
Due	May 8, 2016

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00751/0517
Date	Jul 26, 2006
Book Page	751/0517
Instrument	200600006969

Lender

Name	CHEMICAL BANK
Type	Bank
Address	125 N MICHIGAN AVE, BIG RAPIDS, MI 49307

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00905/3447
Date	Sep 2, 2020
Book Page	905/3447
Instrument	202000006444

Lender

Name	MECOSTA COUNTY
Type	Government Agency
Address	BIG RAPIDS, MI 49307

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706
Transaction Type	Mortgage
Record Updated	Sep 21, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	905/3447
Date	Sep 2, 2020
Book Page	905/3447
Instrument	202000006444

Lender

Name	MECOSTA COUNTY
Type	Government Agency
Address	BIG RAPIDS, MI 49307

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Jun 8, 2007
Property Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706
Document Number	00764/0875
Book / Page	764 / 0875
Instrument Date	Jun 7, 2007
Instrument	200700004910
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	MECOSTA COUNTY ABSTRACT & TI

Transaction

Tax	$0.00
Amount Accuracy	Not Public Record
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 DIVISION ST, BIG RAPIDS, MI 49307-1706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WOODWARD AVE, BIG RAPIDS, MI 49307-1751

Mortgage

Document Number	200700004911
Date	Jun 8, 2007
Instrument	200700004911

Lender

Name	INDEPENDENT MORTGAGE CO WEST MICHIG
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	8.37%
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	14.3%
Index	1-Year LIBOR

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	$98,100	$196,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

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 Fiber Holding Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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