416 Division St, Big Rapids, MI 49307 Property Records

Mecosta County property record for 416 Division St, Big Rapids, MI 49307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1962
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2026)
Tax Bill	$2,303 (2024)
Deeds & Mortgages	Feb 2011 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-15-277-007`

Property Details

APN / Parcel Number

Primary APN	`17-15-277-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,050 sqft Total Area
Basement Area	1,050 sqft
Finished Basement	500 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	118 ft deep x 59 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	86 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	416 DIVISION ST
City	BIG RAPIDS
State	MI
Zip	49307-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	000416 DIVISION STREET: CLARK AND FULLER'S ADDITION -- BLK 4, THAT PT OF LOT 3 DESC AS COM AT THE SE COR OF LOT 3; TH N ALG T
Legal Subdivision	FULLER'S ADDITION
Legal Block	4
Legal Lot Number	3
Jurisdiction	MECOSTA MI
Township / Civil Division	BIG RAPIDS
Census Block Group	3
Census Block	3002
Census Tract	960600

Owner

Source: Mecosta County assessment roll, as of July 25, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	19643 HEIGHTS CIRCLE DR, BIG RAPIDS, MI 49307-9470
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2011	Deed of Trust, Mortgage · Conventional Mortgage CHEMICAL BANK
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 23, 2018	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	May 20, 2022 · Amount on Record
Deed Document Number	20263212
Deed Book / Page	940 / 2785
Record Updated	Sep 20, 2026

February 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECOSTA MI
Property Address	416 DIVISION ST, BIG RAPIDS, MI 49307-1914
Transaction Type	Mortgage
Record Updated	May 13, 2026
Title Company	CNFC TITLE, CFC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00808/0399
Date	Feb 14, 2011
Book Page	808/0399
Instrument	201100001078

Lender

Name	CHEMICAL BANK
Type	Bank
Address	CALEDONIA, MI 49316

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2021

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	Apr 30, 2026
Property Address	416 DIVISION ST, BIG RAPIDS, MI 49307-1914
Document Number	0000003212
Book / Page	940 / 2785
Instrument Date	Apr 28, 2026
Instrument	2026.3212
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	AGSTAR TITLE, STAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19643 HEIGHTS CIRCLE DR, BIG RAPIDS, MI 49307-9470

Mortgage

Document Number	0000003213,
Date	Apr 30, 2026
Instrument	2026..3213

Lender

Name	ROCKET MORTGAGE LLC

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%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	May 20, 2022
Property Address	416 DIVISION ST, BIG RAPIDS, MI 49307-1914
Document Number	00918/5599
Book / Page	918 / 5599
Instrument Date	May 18, 2022
Instrument	202200004400
Transaction Type	Transfer
Record Updated	Jun 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5134 NORRIS DR, 5134, SWARTZ CREEK, MI 48473-8244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 DORAL DR, CADILLAC, MI 49601-9702

Mortgage

Document Number	202200004416
Date	May 20, 2022
Instrument	202200004416

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECOSTA MI
Recording Date	May 23, 2018
Property Address	416 DIVISION ST, BIG RAPIDS, MI 49307-1914
Document Number	887/1598
Book / Page	887 / 1598
Instrument Date	May 15, 2018
Instrument	201800004267
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	ESSENTIAL TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$731.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20119 WILSON BLVD, 20119, THREE RIVERS, MI 49093-9044

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	138 DORAL DR, CADILLAC, MI 49601-9702

Mortgage

Document Number	201800004268
Date	May 23, 2018
Instrument	201800004268

Lender

Name	FIFTH THIRD MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Mecosta County assessment roll, as of July 25, 2025

Property Jurisdictions

Type	Name
State	Michigan
Municipality	Big Rapids City
County	Mecosta County
Unified School District	Big Rapids Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$74,500 (+28.23%)	$149,000 (+28.23%)
2024	$2,303.00
2023		$58,100	$116,200

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 February 3, 2015

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.

Drinking Water

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

Water System	BIG RAPIDS serves 10,403 people · EPA ID MI0000710
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2023
Monitoring and Reporting	1 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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Point Broadband Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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