Oceana County property record for 3812 E M 20, Hesperia, MI 49421
| Property Type | Single Family Home |
|---|---|
| Lot Size | 9.39 acres (409,028 sqft) |
| Owner | Individual Name on File |
| Last Sale | $82,500 (Nov 2020) |
| Tax Bill | $1,763 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-026-400-04 |
| Primary APN | 013-026-400-04 |
|---|
| Lot Area | 409,028 sqft (9.39 acres) |
|---|
| Street Address | 3812 E M 20 |
|---|---|
| City | HESPERIA |
| State | MI |
| Zip | 49421-9083 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3812 E M-20 WD-L2005P30905 SEC 26 T14N R16W. 9.39 A SW 1/4 SE 1/4 SE 1/4 LYG N OF LN BEG AT PT ON E LN SEC 35, WH IS S 42 FT |
| Legal Range | 16W |
| Legal Township | 14N |
| Legal Section | 26 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | FERRY |
| Census Block Group | 3 |
| Census Block | 3140 |
| Census Tract | 10600 |
3812 E M 20 is owned and occupied by an individual who bought it in November 2020.
Source: Oceana County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3812 E M 20, HESPERIA, MI 49421-9083 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK |
| Nov 18, 2020 | Warranty Deed, Transfer OCEANA LAND TITLE AGENCY, OCEANA LAND TITLE AGENCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on File |
| Deed Sale | Nov 18, 2020 · Amount on File |
| Prior Sale | Oct 18, 2005 · Amount on File |
| Deed Document Number | 20206687 |
| Deed Book / Page | 2020 / 25673 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 3812 E M 20, HESPERIA, MI 49421-9083 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3812 E M 20, HESPERIA, MI 49421-9083 |
| Document Number | 2021/23681 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 2021/23681 |
| Instrument | 202100006276 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49525 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Nov 18, 2020 |
| Property Address | 3812 E M 20, HESPERIA, MI 49421-9083 |
| Document Number | 2020/25673 |
| Book / Page | 2020 / 25673 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 202000006687 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | OCEANA LAND TITLE AGENCY, OCEANA LAND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $709.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3403 E ABKER ROAD, 3403, HESPERIA, MI 49421 |
| Name | Verified Name |
|---|---|
| Address | 3812 E M 20, HESPERIA, MI 49421-9083 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3812 E M 20 was $1,763 with a homeowner's exemption.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Ferry Township |
| Unified School District | Shelby Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $106,100 (+24.09%) Land $106,100 | $212,200 (+24.09%) Land $212,200 | |
| 2025 | $1,763.00 Homeowner's exemption | $85,500 Land $85,500 | $171,000 Land $171,000 |
| 2023 | $66,300 Land $66,300 | $132,600 (-) Land $132,600 | |
| 2022 | $1,324.00 | $132,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3812 E M 20 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · 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 risk around 3812 E M 20 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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