431 James St, Lowell, MI 49331 Property Records

Kent County property record for 431 James St, Lowell, MI 49331

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,660 sqft · built 1860
Lot Size	1.19 acres (51,836 sqft)
Owner	Individual Name on Record
Last Sale	$173,500 (Sep 2019)
Tax Bill	$3,282 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-20-01-152-008`

Property Details

APN / Parcel Number

Primary APN	`41-20-01-152-008`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,660 sqft Living Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	51,836 sqft (1.19 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	431 JAMES ST
City	LOWELL
State	MI
Zip	49331-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	S 165.0 FT OF N 445.5 FT OF E 313.5 FT OF SW 1/4 NW 1/4 * SEC 1 T6N R9W 1.19 A.
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 July 13, 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	431 JAMES ST, LOWELL, MI 49331-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 20, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 5, 2019	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Apr 4, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Jan 31, 1990 · Amount on Record
Deed Document Number	201967215
Prior Transfer Date	Mar 27, 2017
Prior Transfer Doc	0000029857
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	431 JAMES ST, LOWELL, MI 49331-1432
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 JAMES ST, LOWELL, MI 49331-1432

Mortgage

Document Number	0000033005
Date	Jun 14, 2023
Instrument	20230614-0033005

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	EDGEWOOD, MD 21040

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2063

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	431 JAMES ST, LOWELL, MI 49331-1432
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 JAMES ST, LOWELL, MI 49331-1432

Mortgage

Document Number	0000093006
Date	Aug 20, 2021
Instrument	20210820-0093006

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Oct 1, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Sep 5, 2019
Property Address	431 JAMES ST, LOWELL, MI 49331-1432
Document Number	0000067215
Instrument Date	Sep 3, 2019
Instrument	20190905-0067215
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	CHICAGO TITLE OF MI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,492.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 JAMES ST, 431, LOWELL, MI 49331-1432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 JAMES ST, LOWELL, MI 49331-1432

Mortgage

Document Number	0000067216
Date	Sep 5, 2019
Instrument	20190905-0067216

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENT MI
Recording Date	Apr 4, 2017
Property Address	431 JAMES ST, LOWELL, MI 49331-1432
Document Number	0000029857
Instrument Date	Mar 27, 2017
Instrument	29857
Transaction Type	Transfer
Record Updated	Apr 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 JAMES ST LOWELL MI 493311432, LOWELL, MI 49331-1432

Tax Assessment & Valuation

Source: Kent County assessment roll, as of June 13, 2025

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
2025	$3,282.00 (+56.96%) Homeowner's exemption	$125,500 (+54.75%)	$251,000 (+54.75%)
2023		$81,100	$162,200
2019	$2,091.00

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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