354 E Gardner St, Sparta, MI 49345 Property Records

Kent County property record for 354 E Gardner St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,251 sqft · built 1920
Lot Size	0.567 acres (24,699 sqft)
Owner	Individual Name on File
Last Sale	$113,500 (Jun 2005)
Tax Bill	$1,724 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-23-177-004`

Property Details

APN / Parcel Number

Primary APN	`41-05-23-177-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,251 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	308 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	24,699 sqft (0.567 acres)
Lot Dimensions	342 ft deep x 72 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	354 E GARDNER ST
City	SPARTA
State	MI
Zip	49345-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR3
Legal Description	LOTS 4 & W 6 FT LOT 3 BLK 1 * GARDNER'S ADD ALSO COM AT SE COR LOT 6 BLK 1 GARDNER'S ADD TH S 110 FT TH E 138 FT TH N 110 FT
Legal Range	12W
Legal Township	09N
Legal Section	23
Legal Subdivision	GARDNERS ADD
Legal Block	1
Legal Lot Number	3-4,6
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	3
Census Block	3003
Census Tract	10402

Owner

Source: Kent County assessment roll, as of June 13, 2025

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	354 GARDNER NW, SPARTA, MI 49345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 30, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
May 5, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 3, 2005 · Amount on Record
Deed Sale	Jun 3, 2005 · Amount on Record
Prior Sale	Sep 19, 2002 · Amount on Record
Deed Document Number	200564890
Last Transfer Date	Jul 8, 2010
Transfer Doc	0000079850
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	354 E GARDNER ST, SPARTA, MI 49345-1412
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 E GARDNER ST, SPARTA, MI 49345-1412

Mortgage

Document Number	0000079284
Date	Oct 12, 2022
Instrument	20221012-0079284

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	354 E GARDNER ST, SPARTA, MI 49345-1412
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 E GARDNER ST, SPARTA, MI 49345-1412

Mortgage

Document Number	0000129266
Date	Nov 30, 2021
Instrument	20211130-0129266

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	354 E GARDNER ST, SPARTA, MI 49345-1412
Document Number	0000040422
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	354 E GARDNER ST SPARTA MI 493451412, SPARTA, MI 49345-1412

Mortgage

Document Number	0000040422
Date	May 11, 2017
Instrument	40422

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

Tax Assessment & Valuation

Source: Kent County assessment roll, as of June 13, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Sparta Township
Municipality	Sparta Village
Unified School District	Sparta Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,724.00 (+33.02%) Homeowner's exemption	$104,100 (+20.35%)	$208,200 (+20.35%)
2023		$86,500	$173,000
2019	$1,296.00

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 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1988)
Most Recent Claim	Feb 1988 · other causes

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	None beyond ember reach

Drinking Water

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

Water System	SPARTA serves 4,140 people · EPA ID MI0006200
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	2 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Air Wireless Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Broadband.

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