Kent County property record for 322 E Gardner St, Sparta, MI 49345 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,104 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $276,000 (Jun 2026) |
| Tax Bill | $3,184 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-05-23-177-002 |
| Primary APN | 41-05-23-177-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Basement Area | 664 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 322 E GARDNER ST |
|---|---|
| City | SPARTA |
| State | MI |
| Zip | 49345-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK 1 * GARDNER'S ADD |
| Legal Subdivision | GARDNERS ADD |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | KENT MI |
| Township / Civil Division | SPARTA |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 10402 |
Source: Kent County records · APN 41-05-23-177-002
Assessment roll updated June 13, 2025 · Last verified July 2026
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 | 322 E GARDNER ST, SPARTA, MI 49345-1412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESID'L MORTGAGE |
| Aug 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Jul 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG |
| Oct 03, 2018 | Warranty Deed, Transfer · FHA Mortgage NATIONS LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Prior Sale | Aug 11, 2022 · Amount on Record |
| Deed Document Number | 202639252 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENT MI |
| Recording Date | Jun 15, 2026 |
| Property Address | 322 E GARDNER ST, SPARTA, MI 49345-1412 |
| Document Number | 0000039252 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202639252 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | SUN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $209,070.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 E GARDNER ST, SPARTA, MI 49345-1412 |
| Document Number | 0000039253, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 20261539253 |
| Name | PRIMARY RESID'L MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENT MI |
| Recording Date | Aug 11, 2022 |
| Property Address | 322 E GARDNER ST, SPARTA, MI 49345-1412 |
| Document Number | 0000063808 |
| Map Reference | LB 2 PG 92 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 20220811-0063808 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2022 |
| Title Company | ARM TITLE AGENCY LLC, STAR TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5881 13 MILE RD NE, ROCKFORD, MI 49341-8876 |
| Document Number | 0000063809 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 20220811-0063809 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENT MI |
| Property Address | 322 E GARDNER ST, SPARTA, MI 49345-1412 |
| Document Number | 0000067374 |
| Instrument Date | Jul 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 322 E GARDNER ST SPARTA MI 493451412, SPARTA, MI 49345-1412 |
| Document Number | 0000067374 |
|---|---|
| Date | Sep 06, 2019 |
| Instrument | 67374 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 05, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENT MI |
| Recording Date | Oct 03, 2018 |
| Property Address | 322 E GARDNER ST, SPARTA, MI 49345-1412 |
| Document Number | 0000077861 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 77861 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2018 |
| Title Company | TRANSNATION TITLE AGENCY/MI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,143.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 E GARDNER ST SPARTA MI 493451412, SPARTA, MI 49345-1412 |
| Document Number | 77862 |
|---|---|
| Date | Oct 03, 2018 |
| Instrument | 77862 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 02, 2048 |
Source: Kent County records · Assessment roll updated June 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Kent County |
| County Subdivision | Sparta Township |
| Municipality | Sparta Village |
| Unified School District | Sparta Area Schools (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,184.00 (+2.78%) Homeowner's exemption | $105,300 (+19.93%) | $210,600 (+19.93%) |
| 2024 | $3,098.00 (+77.74%) | ||
| 2023 | $87,800 | $175,600 | |
| 2019 | $1,743.00 |
Source: FEMA National Flood Hazard Layer, Kent County (26081C), updated January 1, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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