365 River Rd, Sparta, MI 49345 Property Records

Kent County property record for 365 River Rd, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1989
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jul 2018)
Tax Bill	$2,733 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-14-328-005`

Property Details

APN / Parcel Number

Primary APN	`41-05-14-328-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	132 ft deep x 100 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	365 RIVER RD
City	SPARTA
State	MI
Zip	49345-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR1
Legal Description	S 100 FT OF N 133 FT OF THAT PART OF LOT 61 LYING S OF FORMER CL OF GT RR TRACK EX W 165 FT * ISRAEL SMITH'S 2ND ADD
Legal Subdivision	ISRAEL SMITH'S 2ND ADD
Legal Lot Number	61
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2028
Census Tract	10401

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	2 Individual Names on Record
Mailing Address	365 RIVER RD, SPARTA, MI 49345-1103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Apr 13, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jul 3, 2018	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	Aug 15, 1995 · Amount on Record
Deed Document Number	201851183
Prior Transfer Date	Jun 24, 2005
Prior Transfer Doc	0000077845
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	365 RIVER RD, SPARTA, MI 49345-1103
Transaction Type	Mortgage
Record Updated	May 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 RIVER RD, SPARTA, MI 49345-1103

Mortgage

Document Number	0000019341
Date	Apr 13, 2023
Instrument	20230413-0019341

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2038

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	365 RIVER RD, SPARTA, MI 49345-1103
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043594
Date	Apr 13, 2021
Instrument	20210413-0043594

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Jul 3, 2018
Property Address	365 RIVER RD, SPARTA, MI 49345-1103
Document Number	0000051183
Map Reference	LB6 PG24
Instrument Date	Jun 29, 2018
Instrument	20180703-0051183
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	CHICAGO TITLE OF MICHIGAN IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	365 RIVER RD, 365, SPARTA, MI 49345-1103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 RIVER RD, SPARTA, MI 49345-1103

Mortgage

Document Number	0000051184
Date	Jul 3, 2018
Instrument	20180703-0051184

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

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
2026		$133,100 (+4.56%)	$266,200 (+4.56%)
2025	$2,733.00 (+18.57%) Homeowner's exemption	$127,300 (+19.08%)	$254,600 (+19.08%)
2023		$106,900	$213,800
2019	$2,305.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 272 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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