415 North St, Lowell, MI 49331 Property Records

Kent County property record for 415 North St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,096 sqft · built 1880
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$391,610 (Sep 2025)
Tax Bill	$4,301 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-02-276-009`

Property Details

APN / Parcel Number

Primary APN	`41-20-02-276-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,096 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 NORTH ST
City	LOWELL
State	MI
Zip	49331-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 9 BLK 36 * AVERY'S PLAT
Legal Subdivision	AVERY'S PLAT
Legal Block	36
Legal Lot Number	9
Jurisdiction	KENT MI
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3019
Census Tract	12004

Owner

415 North St is owned and occupied by two individuals who bought it in September 2025.

Source: Kent County records, as of September 18, 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 File
Mailing Address	415 NORTH ST, LOWELL, MI 49331-1147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Nov 17, 2018	Deed of Trust, Mortgage · Line of Credit LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on File
Deed Sale	Sep 5, 2025 · Amount on File
Prior Sale	Jul 2, 2025 · Amount on File
Deed Document Number	202558060
Prior Transfer Date	Aug 29, 2025
Prior Transfer Doc	0000058060
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	415 NORTH ST, LOWELL, MI 49331-1147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115224
Date	Dec 3, 2020
Instrument	20201203-0115224

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	415 NORTH ST, LOWELL, MI 49331-1147
Document Number	0000072793
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 NORTH ST LOWELL MI 493311147, LOWELL, MI 49331-1147

Mortgage

Document Number	0000072793
Date	Sep 23, 2019
Instrument	72793

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	415 NORTH ST, LOWELL, MI 49331-1147
Document Number	0000097104
Instrument Date	Nov 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 NORTH ST LOWELL MI 493311147, LOWELL, MI 49331-1147

Mortgage

Document Number	0000097104
Date	Dec 13, 2018
Instrument	97104

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 12, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 415 North St was $4,301.

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		$168,000 (+49.07%)	$336,000 (+49.07%)
2025	$4,301.00	$112,700	$225,400
2023		$98,100	$196,200
2019	$3,634.00

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

FEMA maps place 415 North St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 415 North 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	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.

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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