411 James St, Lowell, MI 49331 Property Records

Kent County property record for 411 James St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 980 sqft · built 1930
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual Name on Record
Last Sale	$286,000 (May 2023)
Tax Bill	$6,513 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-01-152-002`

Property Details

APN / Parcel Number

Primary APN	`41-20-01-152-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	980 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	79,715 sqft (1.83 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 JAMES ST
City	LOWELL
State	MI
Zip	49331-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	E 165 FT OF N 165 FT OF S 709.5 FT OF SW 1/4 NW 1/4 ALSO E 313.5 FT OF SW 1/4 NW 1/4 EX S 709.5 FT & EX N 445.5 FT * SEC 1
Legal Range	09W
Legal Township	06N
Legal Section	01
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3013
Census Tract	12004

Owner

Source: Kent County records, as of September 18, 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	411 JAMES ST, LOWELL, MI 49331-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
Feb 21, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MERCANTILE BK/MI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2023 · Amount on Record
Deed Sale	May 4, 2023 · Amount on Record
Prior Sale	Feb 3, 2012 · Amount on Record
Deed Document Number	202324941
Prior Transfer Date	Feb 14, 2019
Prior Transfer Doc	0000011487
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	May 4, 2023
Property Address	411 JAMES ST, LOWELL, MI 49331-1432
Document Number	0000024941
Instrument Date	Apr 28, 2023
Instrument	20230504-0024941
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	CHICAGO TITLE/MI, CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 JAMES AVE SE, GRAND RAPIDS, MI 49503-5416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 BRIDGE ST NW APT D, D, GRAND RAPIDS, MI 49504-5578

Mortgage

Document Number	0000024942
Date	May 4, 2023
Instrument	20230504-0024942

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	411 JAMES ST, LOWELL, MI 49331-1432
Document Number	0000042073
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	411 JAMES ST LOWELL MI 493311432, LOWELL, MI 49331-1432

Mortgage

Document Number	0000042073
Date	May 20, 2020
Instrument	42073

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Feb 21, 2019
Property Address	411 JAMES ST, LOWELL, MI 49331-1432
Document Number	0000011487
Instrument Date	Feb 14, 2019
Instrument	11487
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	SUN TITLE AGENCY/MI LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	411 JAMES ST LOWELL MI 493311432, LOWELL, MI 49331-1432

Mortgage

Document Number	11488
Date	Feb 21, 2019
Instrument	11488

Lender

Name	MERCANTILE BK/MI
Type	Bank
Address	GRAND RAPIDS, MI 49504

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
Municipality	Lowell City
Unified School District	Lowell Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$154,600 (+2.72%)	$309,200 (+2.72%)
2025	$6,513.00 (+104.88%) Homeowner's exemption	$150,500 (+23.97%)	$301,000 (+23.97%)
2023		$121,400	$242,800
2019	$3,179.00

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 January 1, 2026 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2013)
Most Recent Claim	Apr 2013 · Flooding
Claims by Event	Flooding, Apr 2013 · 3 claims

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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