3974 Ginger Dr, Gowen, MI 49326 Property Records

Montcalm County property record for 3974 Ginger Dr, Gowen, MI 49326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,515 sqft · built 2004
Lot Size	4.05 acres (176,679 sqft)
Owner	Individual Name on Record
Last Sale	$348,800 (Oct 2022)
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Feb 2017 Mortgage + 2 more
APN	`014-020-010-60`

Property Details

APN / Parcel Number

Primary APN	`014-020-010-60`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,515 sqft Building Perimeter
1st Floor Area	1,181 sqft
Basement Area	847 sqft
Unfinished Basement	847 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	176,679 sqft (4.05 acres)
Lot Dimensions	513 ft deep x 340 ft wide
Garage Area	960 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3974 GINGER DR
City	GOWEN
State	MI
Zip	49326-9328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	1073-1069 PART OF SW 1/4 DES AS BEG AT SW COR OF SEC 20; TH N 400.02 FT ALONG W SEC LINE; N 89 DEG E 431.19 FT; S 6 DEG W 85.
Legal Range	08W
Legal Township	10N
Legal Section	20
Jurisdiction	MONTCALM MI
Township / Civil Division	MONTCALM
Census Block Group	4
Census Block	4009
Census Tract	970700

Owner

Source: Montcalm County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3974 GINGER DR, GOWEN, MI 49326-9328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage SELF RELIANCE FCU
Feb 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN ONE COMMUNITY CU
Oct 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MMS MORTGAGE SERVICES LTD
Aug 9, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Aug 9, 2021 · Amount on Record
Deed Document Number	202211973
Prior Transfer Date	Mar 20, 2013
Prior Transfer Doc	1579/0022
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Oct 18, 2022
Property Address	3974 GINGER DR, GOWEN, MI 49326-9328
Document Number	2022R11973
Instrument Date	Oct 14, 2022
Instrument	2022R-11973
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 9, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	3974 GINGER DR, GOWEN, MI 49326-9328

Mortgage

Document Number	2022R11974
Date	Oct 18, 2022
Instrument	2022R-11974

Lender

Name	SELF RELIANCE FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	3974 GINGER DR, GOWEN, MI 49326-9328
Transaction Type	Mortgage
Record Updated	Sep 10, 2021
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R01704
Date	Feb 23, 2017
Instrument	2017R-01704

Lender

Name	MICHIGAN ONE COMMUNITY CU
Type	Credit Union
Address	IONIA, MI 48846

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTCALM MI
Property Address	3974 GINGER DR, GOWEN, MI 49326-9328
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R10560
Date	Oct 15, 2019
Instrument	2019R-10560

Lender

Name	MMS MORTGAGE SERVICES LTD

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2039

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTCALM MI
Recording Date	Aug 9, 2021
Property Address	3974 GINGER DR, GOWEN, MI 49326-9328
Document Number	2021R11348
Instrument Date	Aug 3, 2021
Instrument	2021R11348
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount Recorded
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
Address	24231 DIETZ DR, BONITA SPRINGS, FL 34135-7002

Tax Assessment & Valuation

Source: Montcalm County assessment roll, as of July 6, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Montcalm County
County Subdivision	Montcalm Township
Unified School District	Greenville Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,800 (+9.41%)	$383,600 (+9.41%)
2025	$3,836.00 (+2.05%)	$175,300 (+27.31%)	$350,600 (+154.61%)
2024	$3,759.00
2023		$137,700	$137,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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	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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Point Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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