Oceana County property record for 429 Oak St, Hesperia, MI 49421
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Oct 2020) |
| Tax Bill | $4,121 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-036-200-43 |
| Primary APN | 041-036-200-43 |
|---|
| Lot Area | 87,120 sqft (2 acres) |
|---|
| Street Address | 429 OAK ST |
|---|---|
| City | HESPERIA |
| State | MI |
| Zip | 49421-9041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WD-L2000P14384 COMB FR 38 & 39 IN 77 SEC 36 T14N R15W W 330 FT OF S 10 A OF SE 1/4 OF NE 1/4 EXC S 33 FT THOF VILLAGE OF HESP |
| Legal Range | 15W |
| Legal Township | 14N |
| Legal Section | 36 |
| Legal Subdivision | HILLCREST SUBDIVISION NO 2 |
| Jurisdiction | OCEANA MI |
| Township / Civil Division | NEWFIELD |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 10600 |
429 Oak St is owned and occupied by two individuals who bought it in October 2020.
Source: Oceana County records, as of October 13, 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 | 2997 N 204TH RD, WALKERVILLE, MI 49459-9495 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GERBER FCU |
| Oct 26, 2020 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2020 · Amount on File |
| Deed Sale | Oct 26, 2020 · Amount on File |
| Prior Sale | Aug 11, 2000 · Amount on File |
| Deed Document Number | 20206123 |
| Deed Book / Page | 2020 / 23266 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OCEANA MI |
| Property Address | 429 OAK ST, HESPERIA, MI 49421-9041 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/11664 |
|---|---|
| Date | May 4, 2021 |
| Book Page | 2021/11664 |
| Instrument | 202100003404 |
| Name | GERBER FCU |
|---|---|
| Type | Credit Union |
| Address | FREMONT, MI 49412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OCEANA MI |
| Recording Date | Oct 26, 2020 |
| Property Address | 429 OAK ST, HESPERIA, MI 49421-9041 |
| Document Number | 2020/23266 |
| Book / Page | 2020 / 23266 |
| Instrument Date | Aug 17, 2020 |
| Instrument | 202000006123 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Title Company | LIGHTHOUSE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,333.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 429 OAK ST, 429, HESPERIA, MI 49421-9041 |
| Name | Verified Name |
|---|---|
| Address | 2997 N 204TH RD, WALKERVILLE, MI 49459-9495 |
| Document Number | 202000006124 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 202000006124 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 429 Oak St was $4,121 with a homeowner's exemption.
Source: Oceana County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Oceana County |
| County Subdivision | Newfield Township |
| Municipality | Hesperia Village |
| Unified School District | Hesperia Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $159,900 (+10.12%) Land $159,900 | $319,800 (+10.12%) Land $319,800 | |
| 2025 | $4,121.00 Homeowner's exemption | $145,200 Land $145,200 | $290,400 Land $290,400 |
| 2023 | $106,700 Land $106,700 | $213,400 (-) Land $213,400 | |
| 2022 | $2,595.00 | $213,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 429 Oak St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective August 23, 2021 · 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 File median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 8 (1979–2026) |
| Most Recent Claim | Apr 2026 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 429 Oak 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 42 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 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| NCATS Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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