3986 2nd St, Wayland, MI 49348 Property Records

Allegan County property record for 3986 2nd St, Wayland, MI 49348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 2004
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Apr 2026)
Tax Bill	$3,384 (2025)
Deeds & Mortgages	Sep 2006 Mortgage Aug 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-026-001-40`

Property Details

APN / Parcel Number

Primary APN	`13-026-001-40`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	87,556 sqft (2.01 acres)
Lot Dimensions	398 ft deep x 220 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3986 2ND ST
City	WAYLAND
State	MI
Zip	49348-9710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	COM AT NE COR TH S 242.9' TH CONT S 220' TH W 397.39' TH N 220' TH E 398.38' TO POB SEC 26 T4N R11W (04).
Legal Range	11W
Legal Township	04N
Legal Section	26
Jurisdiction	ALLEGAN MI
Township / Civil Division	LEIGHTON
Census Block Group	3
Census Block	3017
Census Tract	30402

Owner

Source: Allegan County records, as of June 25, 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	1384 SAFFRON LN SE, GRAND RAPIDS, MI 49508-7339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2006	Deed of Trust, Mortgage · FHA Mortgage HUD
Aug 26, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Nov 16, 2022	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Nov 16, 2022 · Amount on Record
Deed Document Number	20267069
Deed Book / Page	5133 / 220
Record Updated	Sep 20, 2026

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3986 2ND ST, WAYLAND, MI 49348-9710
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	003035/442
Date	Sep 19, 2006
Book Page	3035/442

Lender

Name	HUD
Type	Government Agency
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Jan 1, 2035

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGAN MI
Property Address	3986 2ND ST, WAYLAND, MI 49348-9710
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3986 2ND ST, WAYLAND, MI 49348-9710
Investor	Possibly a Property Investor

Mortgage

Document Number	004968/321
Date	Aug 26, 2024
Book Page	4968/321
Instrument	2024012579

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Apr 29, 2026
Property Address	3986 2ND ST, WAYLAND, MI 49348-9710
Document Number	0000007069
Book / Page	5133 / 220
Instrument Date	Apr 24, 2026
Instrument	2026.7069
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$221,493.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007070,
Date	Apr 29, 2026
Instrument	2026..7070

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEGAN MI
Recording Date	Nov 16, 2022
Property Address	3986 2ND ST, WAYLAND, MI 49348-9710
Document Number	004816/496
Book / Page	4816 / 496
Instrument Date	Oct 27, 2022
Instrument	2022021763
Transaction Type	Transfer
Record Updated	Nov 28, 2022
Title Company	BELL TITLE/HASTINGS, BELL TITLE OF HASTINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3986 2ND ST, 3986, WAYLAND, MI 49348-9710

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	365 CORINNE ST SW, GRAND RAPIDS, MI 49507-1538

Mortgage

Document Number	0004816095
Date	Nov 16, 2022
Instrument	4816-095

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Allegan County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Allegan County
County Subdivision	Leighton Township
Unified School District	Thornapple Kellogg School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$104,600 (+2.45%) Land $21,400 Building $83,200	$209,200 (+2.45%) Land $42,800 Building $166,400
2025	$3,384.00 (+2.86%) Homeowner's exemption	$102,100 (+14.33%) Land $19,400 Building $82,700	$204,200 (+14.33%) Land $38,800 Building $165,400
2024	$3,290.00 (+73.07%)
2023		$89,300 Land $17,600 Building $71,700	$178,600 Land $35,200 Building $143,400
2022	$1,901.00

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

Source: FEMA National Flood Hazard Layer, effective June 21, 2023

FEMA Flood Zone	Zone X minimal risk
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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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