432 E Gardner St, Sparta, MI 49345 Property Records

Kent County property record for 432 E Gardner St, Sparta, MI 49345

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 896 sqft · built 1960
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Mar 2021)
Tax Bill	$2,039 (2025)
Deeds & Mortgages	May 2021 Line of Credit Mar 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-05-23-251-004`

Property Details

APN / Parcel Number

Primary APN	`41-05-23-251-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	896 sqft Living Area
1st Floor Area	896 sqft
Basement Area	672 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	432 E GARDNER ST
City	SPARTA
State	MI
Zip	49345-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR2
Legal Description	LOT 46 * C A JOHNSON'S SUBURBAN ADD
Legal Subdivision	C A JOHNSONS SUBURBAN ADD
Legal Lot Number	46
Jurisdiction	KENT MI
Township / Civil Division	SPARTA
Census Block Group	2
Census Block	2001
Census Tract	10402

Owner

Source: Kent County records, as of September 18, 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	432 GARDNER NW, SPARTA, MI 49345
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Line of Credit CHOICEONE BANK
Mar 31, 2021	Warranty Deed, Transfer ATTORNEY ONLY
Dec 16, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/W MI
Jul 18, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	202138779
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	432 E GARDNER ST, SPARTA, MI 49345-1415
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061820
Date	May 26, 2021
Instrument	20210526-0061820

Lender

Name	CHOICEONE BANK
Type	Bank
Address	COMSTOCK PARK, MI 49321

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENT MI
Recording Date	Mar 31, 2021
Property Address	432 E GARDNER ST, SPARTA, MI 49345-1415
Document Number	0000038779
Instrument Date	Mar 19, 2021
Instrument	38779
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$946.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E GARDNER ST SPARTA MI 493451415, SPARTA, MI 49345-1415

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENT MI
Property Address	432 E GARDNER ST, SPARTA, MI 49345-1415
Document Number	0000004130
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E GARDNER ST SPARTA MI 493451415, SPARTA, MI 49345-1415

Mortgage

Document Number	0000004130
Date	Jan 16, 2018
Instrument	4130

Lender

Name	FIFTH THIRD BK/W MI
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENT MI
Recording Date	Jul 18, 2017
Property Address	432 E GARDNER ST, SPARTA, MI 49345-1415
Document Number	0000060585
Instrument Date	Jun 29, 2017
Instrument	60585
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$946.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14686 PARK AVE GRAND HAVEN MI 494179541, GRAND HAVEN, MI 49417-9541

Tax Assessment & Valuation

Source: Kent County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Kent County
County Subdivision	Sparta Township
Municipality	Sparta Village
Unified School District	Sparta Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$105,500 (+4.77%)	$211,000 (+4.77%)
2025	$2,039.00 (+17.25%) Homeowner's exemption	$100,700 (+19.88%)	$201,400 (+19.88%)
2023		$84,000	$168,000
2019	$1,739.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 1, 2026

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	None beyond 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	SPARTA serves 4,140 people · EPA ID MI0006200
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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