3918 N Ridge Rd, Mears, MI 49436 Property Records

Oceana County property record for 3918 N Ridge Rd, Mears, MI 49436

Property Summary

Property Type	Single Family Home
Lot Size	7.5 acres (326,700 sqft)
Owner	2 Trust Names on File
Last Sale	$399,900 (Apr 2024)
Tax Bill	$7,846 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`006-009-100-11`

Property Details

APN / Parcel Number

Primary APN	`006-009-100-11`

Exterior

Lot Area	326,700 sqft (7.5 acres)

Location & Zoning

Street Address	3918 N RIDGE RD
City	MEARS
State	MI
Zip	49436-9374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW SEC 9 T15N R18W COR, TH S 01? E 335.88 FT TO POB, TH S 01? E 361.23 FT, TH S 89? E 902.80 FT, TH N 01? W 362.73 FT,
Legal Range	18W
Legal Township	15N
Legal Section	09
Jurisdiction	OCEANA MI
Township / Civil Division	GOLDEN
Census Block Group	2
Census Block	2002
Census Tract	11000

Owner

3918 N Ridge Rd is held in a trust since May 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	6220 PINECREST DR, ZEELAND, MI 49464-9589
Owner Type	Company
Vesting	Trust

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

Date	Document
May 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage WEST MI COMMUNITY BANK
Apr 1, 2024	Warranty Deed, Transfer · Conventional Mortgage WEST MICHIGAN COMMUNITY BANK
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Jan 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LAKE MICHIGAN CU
May 23, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Apr 1, 2024 · Amount on File
Deed Document Number	20241556
Deed Book / Page	2024 / 5164
Last Transfer Date	May 19, 2026
Transfer Doc	0000003106
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	May 21, 2026
Property Address	3918 N RIDGE RD, MEARS, MI 49436-9374
Document Number	0000003106
Book / Page	2026 / 11273
Instrument Date	May 19, 2026
Instrument	20263106
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	6220 PINECREST DR, ZEELAND, MI 49464-9589

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Recording Date	Apr 2, 2026
Property Address	3918 N RIDGE RD, MEARS, MI 49436-9374
Document Number	0000001762
Book / Page	2026 / 6499
Instrument Date	Mar 30, 2026
Instrument	20261762
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATA NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6220 PINECREST DR, ZEELAND, MI 49464-9589

Mortgage

Document Number	0000001762,
Date	Apr 2, 2026
Book Page	2026/6499
Instrument	20261762

Lender

Name	WEST MI COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	Apr 1, 2024
Property Address	3918 N RIDGE RD, MEARS, MI 49436-9374
Document Number	02024/5164
Book / Page	2024 / 5164
Instrument Date	Mar 22, 2024
Instrument	202400001556
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8063 KRAFT AVE SE, CALEDONIA, MI 49316-9403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6220 PINECREST DR, ZEELAND, MI 49464-9589

Mortgage

Document Number	202400001557
Date	Apr 1, 2024
Instrument	202400001557

Lender

Name	WEST MICHIGAN COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OCEANA MI
Property Address	3918 N RIDGE RD, MEARS, MI 49436-9374
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/007920
Date	May 13, 2019
Book Page	2019/007920
Instrument	201900002841

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OCEANA MI
Recording Date	Jan 24, 2022
Property Address	3918 N RIDGE RD, MEARS, MI 49436-9374
Document Number	02022/1802
Book / Page	2022 / 1802
Instrument Date	Jan 12, 2022
Instrument	202200000429
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8063 KRAFT AVE SE, CALEDONIA, MI 49316-9403

Mortgage

Document Number	202200000430
Date	Jan 24, 2022
Instrument	202200000430

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OCEANA MI
Recording Date	May 23, 2019
Property Address	3918 N RIDGE RD, MEARS, MI 49436-9374
Document Number	2019/008734
Book / Page	2019 / 008734
Instrument Date	May 3, 2019
Instrument	201900003065
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,444.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35788 STOERKEL ST, 35788, HARRISON TOWNSHIP, MI 48045-3260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8063 KRAFT AVE SE, CALEDONIA, MI 49316-9403

Tax Assessment & Valuation

The 2025 property tax bill for 3918 N Ridge Rd was $7,846, up 53.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Michigan
County	Oceana County
County Subdivision	Golden Township
Unified School District	Hart Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$192,100 (+12.14%) Land $192,100	$384,200 (+12.14%) Land $384,200
2025	$7,846.00 (+53.93%)	$171,300 Land $171,300	$342,600 Land $342,600
2024	$5,097.00
2023		$142,600 Land $142,600	$285,200 (-) Land $285,200
2022	$4,594.00		$285,200

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

FEMA maps place 3918 N Ridge Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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	7 in force
Nearby Flood Claims	6 (1979–2021)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jul 2021 · rainfall accumulation

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 3918 N Ridge Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on N Ridge Rd

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