34 Flat River Dr SE, Lowell, MI 49331 Property Records

Kent County property record for 34 Flat River Dr SE, Lowell, MI 49331

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,240 sqft · built 2001
Lot Size	0.986 acres (42,950 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jun 2022)
Tax Bill	$3,947 (2025)
Deeds & Mortgages	Aug 2017 Second Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41-16-25-409-031`

Property Details

APN / Parcel Number

Primary APN	`41-16-25-409-031`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft
Basement Area	1,240 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Condo/Apartment
Lot Area	42,950 sqft (0.986 acres)
Lot Width	267 ft Width
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	34 FLAT RIVER DR SE
City	LOWELL
State	MI
Zip	49331-8943
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-1
Legal Description	UNIT NO.31 * FLAT RIVER FOREST KENT COUNTY CONDOMINIUM SUBDIVISION PLAN NO.237 LIBER 3044 PAGE 1134 AS AMENDED BY REPLAT NO.1
Legal Subdivision	FLAT RIVER FOREST KENT COUNTY CONDOMINIU
Legal Unit	31
Jurisdiction	KENT MI
Township / Civil Division	VERGENNES
Census Block Group	3
Census Block	3000
Census Tract	12004

Owner

Source: Kent County records, as of September 18, 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 Record
Mailing Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN STATE UNIVERSITY FCU
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
May 17, 2022	Deed of Trust, Mortgage · FHA Mortgage NORTHERN MORTGAGE SERVICES LLC
Jun 20, 2022	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Aug 21, 2019	Quit Claim Deed, Transfer · Conventional Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2022 · Amount on Record
Deed Sale	Jun 20, 2022 · Amount on Record
Prior Sale	Jun 25, 2013 · Amount on Record
Deed Document Number	202250435
Prior Transfer Date	Aug 12, 2019
Prior Transfer Doc	0000062412
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068326
Date	Aug 14, 2017
Instrument	20170814-0068326

Lender

Name	MICHIGAN STATE UNIVERSITY FCU
Type	Credit Union
Address	EAST LANSING, MI 48823

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033258
Date	Mar 22, 2021
Instrument	20210322-0033258

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943

Mortgage

Document Number	0000040867
Date	May 17, 2022
Instrument	20220517-0040867

Lender

Name	NORTHERN MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Aug 1, 2022

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jun 20, 2022
Property Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943
Document Number	0000050435
Map Reference	LB 3391 PG 1154
Instrument Date	Jun 3, 2022
Instrument	20220620-0050435
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	LIGHTHOUSE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 FLAT RIVER DR SE, 34, LOWELL, MI 49331-8943

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 PRINCE CHARLES LN, SCHAUMBURG, IL 60195-2936

Mortgage

Document Number	0000050437
Date	Jun 20, 2022
Instrument	20220620-0050437

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Aug 21, 2019
Property Address	34 FLAT RIVER DR SE, LOWELL, MI 49331-8943
Document Number	0000062412
Instrument Date	Aug 12, 2019
Instrument	62412
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	TITLE RESOURCE AGENCY, TITLE RESOURCE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 FLAT RIVER DR SE LOWELL MI 493318943, LOWELL, MI 49331-8943

Mortgage

Document Number	62413
Date	Aug 21, 2019
Instrument	62413

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2039

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Vergennes Township
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$167,100 (+6.57%)	$334,200 (+6.57%)
2025	$3,947.00 (+43.74%) Homeowner's exemption	$156,800 (+26.96%)	$313,600 (+26.96%)
2024	$2,746.00 (+22.86%)
2023		$123,500	$247,000
2019	$2,235.00

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

Source: FEMA National Flood Hazard Layer, effective January 1, 2026 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2013)
Most Recent Claim	Apr 2013 · Flooding
Claims by Event	Flooding, Apr 2013 · 3 claims

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

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	Direct burnable vegetation

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Point Broadband Fiber	1,000 / 1,000

May also be available: Spectrum.

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