331 Pearl St, Ionia, MI 48846 Property Records

Ionia County property record for 331 Pearl St, Ionia, MI 48846

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1920
Lot Size	0.255 acres (11,108 sqft)
Owner	2 Individual Names on File
Last Sale	$151,000 (May 2022)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`20418000013000`

Property Details

APN / Parcel Number

Primary APN	`20418000013000`
Alternative APN	`34-204-180-000-130-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Lot Area	11,108 sqft (0.255 acres)
Lot Dimensions	132 ft deep x 84 ft wide
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	331 PEARL ST
City	IONIA
State	MI
Zip	48846-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CITY OF IONIA STEVENSON ADDITION LOTS 24 & 25 EXCEPT THE S 10FT OF LOT 25
Legal Subdivision	CITY OF IONIA STEVENSON ADD
Legal Lot Number	24-25
Jurisdiction	IONIA MI
Township / Civil Division	IONIA
Census Block Group	3
Census Block	3001
Census Tract	31700

Owner

331 Pearl St is owned and occupied by two individuals who bought it in May 2022.

Source: Ionia County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	331 PEARL ST, IONIA, MI 48846-1339
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
Sep 25, 2018	Deed of Trust, Mortgage HEARTLAND HOME MTG
Sep 26, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Prior Sale	Sep 26, 2018 · Amount on File
Transfer Doc	0642/8595
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IONIA MI
Property Address	331 PEARL ST, IONIA, MI 48846-1339
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000651/0000009457
Date	Sep 25, 2018
Book Page	0000000651/0000009457

Lender

Name	HEARTLAND HOME MTG

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IONIA MI
Recording Date	Sep 26, 2018
Property Address	331 PEARL ST, IONIA, MI 48846-1339
Document Number	651/9455
Book / Page	651 / 9455
Instrument Date	Sep 21, 2018
Transaction Type	Transfer
Record Updated	Aug 31, 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	331 PEARL ST, IONIA, MI 48846-1339

Tax Assessment & Valuation

The 2025 property tax bill for 331 Pearl St was $2,864 with a homeowner's exemption, up 3% from the year before.

Source: Ionia County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Ionia County
Municipality	Ionia City
Unified School District	Ionia Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$83,700 (+7.72%) Land $13,800 Building $69,900	$167,400 (+7.72%) Land $27,600 Building $139,800
2025	$2,864.00 (+3.02%) Homeowner's exemption	$77,700 Land $12,900 Building $64,800	$155,400 Land $25,800 Building $129,600
2024	$2,780.00
2023		$51,700 Land $9,500 Building $42,200	$103,400 Land $19,000 Building $84,400

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.

Flood

FEMA maps place 331 Pearl St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 15, 2015 · 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

Wildfire risk around 331 Pearl St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IONIA serves 11,708 people · EPA ID MI0003370
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: Point Broadband, Verizon.

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