408 S 7th St, Cedar Springs, MI 49319 Property Records

Kent County property record for 408 S 7th St, Cedar Springs, MI 49319

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1985
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,215 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-02-36-215-015`

Property Details

APN / Parcel Number

Primary APN	`41-02-36-215-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	132 ft deep x 99 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	408 S 7TH ST
City	CEDAR SPRINGS
State	MI
Zip	49319-8496
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	410236215015 LOTS 3 & 4 BLK 87 EX N 100 FT ALSO LOTS 5 & 6 BLK 87 * VILLAGE OF CEDAR SPRINGS SPLIT/COMBINED ON 01/31/2020
Legal Subdivision	CITY OF CEDAR SPRINGS
Legal Block	87
Legal Lot Number	3-6
Jurisdiction	KENT MI
Township / Civil Division	CEDAR SPRINGS
Census Block Group	1
Census Block	1025
Census Tract	10200

Owner

408 S 7th St is owned and occupied by two individuals.

Source: Kent County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	408 S 7TH ST, CEDAR SPRINGS, MI 49319-8496
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT BANK
Feb 17, 2022	Warranty Deed, Transfer SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	408 S 7TH ST, CEDAR SPRINGS, MI 49319-8496
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S 7TH ST, CEDAR SPRINGS, MI 49319-8496

Mortgage

Document Number	0000052483
Date	Jun 28, 2022
Instrument	20220628-0052483

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	GRAND RAPIDS, MI 49525

Agreement

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

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Feb 17, 2022
Property Address	408 S 7TH ST, CEDAR SPRINGS, MI 49319-8496
Document Number	0000014720
Map Reference	LB 2 PG 74
Instrument Date	May 3, 2019
Instrument	20220217-0014720
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8672 DEER TRL, 8672, KALAMAZOO, MI 49009-6453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S 7TH ST, CEDAR SPRINGS, MI 49319-8496

Tax Assessment & Valuation

The 2025 property tax bill for 408 S 7th St was $3,215.

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Cedar Springs City
Unified School District	Cedar Springs Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$114,000 (+4.59%)	$228,000 (+4.59%)
2025	$3,215.00 Homeowner's exemption	$109,000	$218,000
2023		$90,600	$181,200

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

Flood

FEMA maps place 408 S 7th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

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

Wildfire risk around 408 S 7th St 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CEDAR SPRINGS serves 3,520 people · EPA ID MI0001260
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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