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3849 E M 20, Hesperia, MI 49421 Property Records

Oceana County property record for 3849 E M 20, Hesperia, MI 49421

Property Summary

Property TypeSingle Family Home
Details6 bd · 1,440 sqft · built 1987
Lot Size30 acres (1,306,800 sqft)
OwnerIndividual Name on File
Last Sale$139,900 (Aug 2007)
Tax Bill$3,079 (2025)
Deeds & MortgagesOct 2018 Transfer
Aug 2007 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN013-035-200-04

Property Details

APN / Parcel Number

Primary APN013-035-200-04

Interior

Bedrooms6 Beds
Stories1 Story
Building Area1,440 sqft Gross Area
1st Floor Area1,232 sqft
Basement Area1,232 sqft

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Lot Area1,306,800 sqft (30 acres)
Garage Area528 sqft
Parking Spaces2 Parking Spaces
Total Buildings4 Buildings

Location & Zoning

Street Address3849 E M 20
CityHESPERIA
StateMI
Zip49421-9083
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description3775 & 3849 E M-20 - NE 1/4 OF SEC 35 T14N R16W EXC PC TO ST HWY & ALSO EXC PC TO CONS PWR & ALSO EXC E 1/4 THOF & ALSO EXC S
Legal Range16W
Legal Township14N
Legal Section35
JurisdictionOCEANA MI
Township / Civil DivisionFERRY
Census Block Group3
Census Block3146
Census Tract10600

Owner

3849 E M 20 is owned by an individual who acquired it in October 2024.

Source: Oceana County records, as of October 13, 2026

Owner of RecordIndividual Name on File
Mailing Address3091 N 56TH AVE, HART, MI 49420-8201
Owner TypeIndividual

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

DateDocument
Oct 30, 2018Intrafamily Transfer, Transfer
Aug 2, 2007Warranty Deed, Transfer · ARM
SSB MORTGAGE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 2, 2007 · Amount on File
Deed SaleAug 2, 2007 · Amount on File
Prior SaleMar 21, 2007 · Amount on File
Deed Book / Page2007 / 18594
Last Transfer DateOct 21, 2024
Transfer Doc2024/18890
Record UpdatedOct 29, 2026

October 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOCEANA MI
Recording DateOct 30, 2018
Property Address3849 E M 20, HESPERIA, MI 49421-9083
Document Number2018/020677
Book / Page2018 / 020677
Instrument DateOct 30, 2018
Instrument201800006136
Transaction TypeTransfer
Record UpdatedMar 9, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3091 N 56TH AVE, HART, MI 49420-8201

Transferred To (Grantee/Buyer)

NameVerified Name
Address3091 N 56TH AVE, HART, MI 49420-8201

August 2007: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOCEANA MI
Recording DateAug 2, 2007
Property Address3849 E M 20, HESPERIA, MI 49421-9083
Document Number2007/018594
Book / Page2007 / 018594
Map ReferenceLB252 PG471-493
Instrument DateJul 31, 2007
Transaction TypeTransfer
Record UpdatedJun 8, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,204.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Partial Parcel

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3849 E M 20, HESPERIA, MI 49421-9083

Mortgage

Document Number2007018596
DateAug 2, 2007
Instrument2007/018596
Lender
NameSSB MORTGAGE CO
TypeMortgage Company
Agreement
TypeARM
AmountAmount on Record
Term360 Months
DueAug 1, 2037
Interest
Rate TypeAdjustable Rate
Rate8.75%
AdjustableAdjustable Rate Rider
Change FrequencyAnnually
Min Rate At Change6.75%
Max Rate At Change10.7%
Index1-Year T-Bill
Margin3
Max Rate13.7%

Tax Assessment & Valuation

The 2025 property tax bill for 3849 E M 20 was $3,079, up 49% from the year before.

Source: Oceana County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyOceana County
County SubdivisionFerry Township
Unified School DistrictShelby Public Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$153,800 (+26.38%) Building $153,800$307,600 (+26.38%) Building $307,600
2025$3,079.00 (+48.96%) Homeowner's exemption$121,700 Building $121,700$243,400 Building $243,400
2024$2,067.00
2023$95,300 Building $95,300$190,600 (-) Building $190,600
2022$1,755.00$190,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3849 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 3849 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 RiskLow
lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 5 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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