414 N Monroe St, Lowell, MI 49331 Property Records

Kent County property record for 414 N Monroe St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,770 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,000 (May 2025)
Tax Bill	$7,768 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-02-257-008`

Property Details

APN / Parcel Number

Primary APN	`41-20-02-257-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,770 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	414 N MONROE ST
City	LOWELL
State	MI
Zip	49331-1459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 5 BLK 6 * KING & AMPHLETT'S ADD
Legal Subdivision	KING & AMPHLETTS ADD
Legal Block	6
Legal Lot Number	5
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3007
Census Tract	12004

Owner

Source: Kent County records, as of September 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	517 N HUDSON ST, LOWELL, MI 49331-1346
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Jun 21, 2021	Deed of Trust, Mortgage · Line of Credit MICHIGAN FIRST CU
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit MICHIGAN FIRST CU
Dec 18, 2018	Deed of Trust, Mortgage · Line of Credit MICHIGAN FIRST CU
Jul 26, 2019	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	202529171
Prior Transfer Date	Nov 8, 2006
Prior Transfer Doc	0000125727
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Dec 20, 2022
Property Address	414 N MONROE ST, LOWELL, MI 49331-1459
Document Number	0000094209
Map Reference	LB 2 PG 55
Instrument Date	Dec 16, 2022
Instrument	20221220-0094209
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	SUN TITLE AGENCY/MI LLC, SUN TITLE AGENCY OF MI LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 N MONROE ST, LOWELL, MI 49331-1459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 W MAIN ST APT 202, 202, LOWELL, MI 49331-1697

Mortgage

Document Number	0000094210
Date	Dec 20, 2022
Instrument	20221220-0094210

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Index	1-Year CMT
Max Rate	11.8%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	414 N MONROE ST, LOWELL, MI 49331-1459
Transaction Type	Mortgage
Record Updated	Aug 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070624
Date	Jun 21, 2021
Instrument	20210621-0070624

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	SOUTHFIELD, MI 48076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	May 27, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	414 N MONROE ST, LOWELL, MI 49331-1459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068032
Date	Aug 30, 2018
Instrument	20180830-0068032

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	SOUTHFIELD, MI 48076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jul 24, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	414 N MONROE ST, LOWELL, MI 49331-1459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000098398
Date	Dec 18, 2018
Instrument	20181218-0098398

Lender

Name	MICHIGAN FIRST CU
Type	Credit Union
Address	SOUTHFIELD, MI 48076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	234 Months
Due	Jun 13, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	414 N MONROE ST, LOWELL, MI 49331-1459
Document Number	0000057241
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N MONROE ST LOWELL MI 493311459, LOWELL, MI 49331-1459

Mortgage

Document Number	0000057241
Date	Aug 2, 2019
Instrument	57241

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 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		$201,400 (+10.18%)	$402,800 (+10.18%)
2025	$7,768.00 (+170.85%)	$182,800 (+13.26%)	$365,600 (+13.26%)
2023		$161,400	$322,800
2019	$2,868.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	LOWELL serves 4,150 people · EPA ID MI0003950
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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